System zum dynamischen Zuordnen von Sicherheitsschlüsseln für Chip-, Debit- und Kreditkarten

Details

Veröffentlichungs-Nr.

EP2787474

Aktenzeichen

EP14160157

Anmeldetag

14. März 2014

Veröffentlichung

17. Dezember 2014

Rechtsraum

EP

IPC

G06Q20/38G07F7/08

Abstract

This invention provides a dynamically generated security code for smart, debit and credit cards as a way to thwart fraudulent use of these cards in financial transactions. The card internally contains a processor connected to a viewable display powered by a battery where the processor is capable of generating security codes on a periodic basis. The card can generate the security code by encrypting certain data is a way that the card issuer as the same security codes so that when the security code is used in a financial transaction, the card issuer can ascertain whether the transaction is valid and authorized or potentially fraudulent. To prevent unwanted denials of transactions when the security code is changed, a time period window can be created on the card issuer's network that compares the card security code with the current valid security code stored on the card issuer's server as well as the previous security code in case the transaction was processed over a longer period of time than the life of the dynamically generated security code.

Anmelder

Firma

Guillaud, Philippe

Land

🇺🇸 USA

Fachgebiete