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Payment service authentication for a transaction using a generated dynamic verification value

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06Q-040/00
출원번호 US-0819811 (2010-06-21)
등록번호 US-8423415 (2013-04-16)
발명자 / 주소
  • Sahota, Jagdeep Singh
  • Aabye, Christian
출원인 / 주소
  • Visa International Service Association
대리인 / 주소
    Kilpatrick Townsend & Stockton LLP
인용정보 피인용 횟수 : 1  인용 특허 : 49

초록

Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card

대표청구항

1. A method for authenticating a payment service being used in a transaction, the method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include: generating on a payment device a first verification value unique to the transaction, wherein the v

이 특허에 인용된 특허 (49)

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  13. Indeck Ronald S. (Olivette MO) Muller Marcel W. (St. Louis MO), Method and apparatus for secure data storage and manipulation using magnetic media.
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  15. Kanevsky Dimitri ; Yung Marcel Mordechay ; Zadrozny Wlodek Wlodzimierz, Method and apparatus utilizing dynamic questioning to provide secure access control.
  16. Pettitt John Philip, Method and system for detecting fraud in a credit card transaction over the internet.
  17. Sahota, Jagdeep Singh; Aabye, Christian, Method and system for generating a dynamic verification value.
  18. Barrett,Michael Richard; Armes,David; Bishop,Fred; Shelby,James; Glazer,Elliott; Steitz,Philip W.; Gibbons,Stephen P., Method and system for implementing and managing an enterprise identity management for distributed security.
  19. Burke Bertram V., Method and system to create and distribute excess funds from consumer spending transactions.
  20. Suzuki, Koji, Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor.
  21. Suzuki, Koji, Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor.
  22. Wallace Michelle H., Method for authenticating credit transactions to prevent fraudulent charges.
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  27. Hynes John E. (6417 Deer Park Rd. Reistertown MD 21136) Conner Stephen A. (3631 Yolando Rd. Baltimore MD 21218), Securing magnetically encoded data using timing variations in encoded data.
  28. Maes,Stephane H., System and method for confirming electronic transactions.
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  30. Jones Charles R., System and method for electronically auditing point-of-sale transactions.
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  32. Audebert Yves,FRX, System for controlling access to a function having clock synchronization.
  33. Audebert Yves,FRX, System for controlling access to a function, using a plurality of dynamic encryption variables.
  34. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  35. McAllister Alex (Wheaton MD), Telephone based credit card protection.
  36. Teitelbaum Neil,CAX, Telephone with biometric sensing device.
  37. Blonder Greg E. ; Greenspan Steven Lloyd ; Mirville J. Robert ; Sugla Binay, Transaction authorization and alert system.
  38. Rahman Sam (4809 Laurette St. Torrance CA 90503) Magner James (5092 Tripoli Ave. Los Alamitos CA 90720) Brown John (12831 Longden St. Garden Grove CA 92645) Pun Adarsh (5404 White Fox Dr. Rancho Palo, Transaction device, equipment and method for protecting account numbers and their associated personal identification num.
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  43. Pickett Thomas E., Transaction security method and apparatus.
  44. Woodward,Sean, Transaction system and method of conducting a point-of-sale transaction between a merchant and a consumer using a wireless platform.
  45. Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Imperia Vincent A. (Tempe AZ) Love Michael (Wilmington DE) O\Malley Michael F. (Glenside PA) Russell James F. (Hockessin DE) Sears John W. (Pe, Transaction system for integrated circuit cards.
  46. Cooper J. Carl, Universal credit card apparatus and method.
  47. Cooper J. Carl, Universal credit card apparatus and method.
  48. Keresman, III,Michael A.; Sherwin,Francis M.; Balasubramanian,Chandra S., Universal merchant platform for payment authentication.
  49. Joseph C. Kawan, Wireless transaction and information system.

이 특허를 인용한 특허 (1)

  1. Manessis, Thomas, System and method for authorizing financial transactions with online merchants.
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