Cards, devices, systems, methods and dynamic security codes

• US 10,395,156 B1
• Filed: 04/20/2015
• Issued: 08/27/2019
• Est. Priority Date: 05/15/2012
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Batra, Gautam
• Primary Examiner(s): Johnson, Sonji N
• Application Number:
  US14/691,330
• Time in Patent Office: 1,590 Days
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/077 Constructional details, e.g. mounting of circuits in the carrier
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.

Claims

1. A device comprising:

a signal generator operable to generate a signal selected from a timing signal, a counter signal, a random number generator signal, and combinations thereof;

a memory operable to store at least a first data set, a second data set, and a third data set;

a processor operable to generate a fourth data set based on at least one selected from the first data set, the second data set, and the third data set, and to determine a first code based on the fourth data set and the signal; and

a communication interface operable to communicate information associated with the signal and at least a portion of at least one selected from the first data set, the second data set, the third data set, the fourth data set, and the first code to a processing entity.

2. The device of claim 1, wherein each of the

first data set, the second data set, the third data set, and the fourth data set are independently selected from one or more functions, one or more base variables, a look-up-table (LUT), and one or more function determination values.

3. The device of claim 1, wherein at least one of the first data set, the second data set, the third data set, the fourth data set, and the first code is a number including at least three digits.

4. The device of claim 1, wherein at least a first piece of data selected from the first data set, the second data set, the third data set, the fourth data set, and the first code is a number including at least three digits, and

at least a second piece of data selected from the first data set, the second data set, the third data set, the fourth data set, and the first code is a number including at least five digits.

5. The device of claim 1, wherein the processor is operable to determine the fourth data set based on at least one selected from the second data set and the third data set.

6. The device of claim 1, wherein the processor is operable to determine the fourth data set based on at least one selected from the second data set and the third data set, and

to combine the first data set and the fourth data set to determine the first code.

7. The device of claim 1, wherein the signal is a random number generator signal,

the first data set includes one or more base variables,

the second data set includes a LUT,

the third data set includes one or more function determination objects,

the fourth data set includes one or more functions, and

the first code includes a dynamic code.

8. The device of claim 1, wherein the device is operable to communicate with the processing entity via a reader.

9. The device of claim 1, wherein the device is configured to communicate with the processing entity via a reader using at least one selected from a magnetic stripe communications device, a radio frequency identification (RFID) antenna, an exposed integrated circuit (IC) chip, and an EMV chip.

10. The device of claim 1, wherein the device is operable to communicate directly with the processing entity.

11. A system comprising:

a processing entity; and

a device including

a signal generator operable to generate a signal selected from a timing signal, a counter signal, a random number generator signal, and combinations thereof,

a memory operable to store at least a first data set, a second data set, and a third data set,

a processor operable to generate a fourth data set based on at least one selected from the first data set, the second data set, and the third data set, and to determine a first code based on the fourth data set and the signal, and

a communication interface operable to communicate the signal and at least a portion of at least one selected from the first data set, the second data set, the third data set, the fourth data set, and the first code to the processing entity.

12. The system of claim 11, wherein the device is operable to communicate with the processing entity via a reader.

13. The system of claim 11, wherein the device is operable to communicate with the processing entity via a reader using at least one selected from a magnetic stripe communications device, a radio frequency identification (RFID) antenna, an exposed integrated circuit (IC) chip, and an EMV chip.

14. The system of claim 11, wherein the device is operable to communicate directly with the processing entity.

15. A method comprising:

receiving, by a communication interface, a first code, an identifier, and a signal selected from a timing signal, a counter signal, a random number, and combinations thereof;

obtaining a first data set, a second data set, a first intermediate data set, and a second intermediate data set;

obtaining a third data set using the identifier;

determining a fourth data set using the first data set, the second data set, the third data set, the first intermediate data set, and the second intermediate data set;

determining, by a processor of a device, a second code using the fourth data set and the signal; and

comparing the second code to the first code.

16. The method of claim 15, further comprising:

authorizing a transaction based on the comparing the second code to the first code.

17. The method of claim 15, wherein each of the

first data set, the second data set, the third data set, and the fourth data set are independently selected from one or more functions, one or more base variables, a look-up-table (LUT), and one or more function determination values.

18. The method of claim 15, wherein each of the

signal, the first code, and the second code independently include information indicative of a number.