System and method of authentication using a re-writable card verification value
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United States of America Patent
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Feb 27, 2018
Issued Date -
N/A
app pub date -
Nov 18, 2014
filing date -
Apr 7, 2011
priority date (Note) -
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status (Latency Note)
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Abstract
Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.
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