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Method for customizing payment card transactions at the time of the transactions

  • US 20050086177A1
  • Filed: 10/18/2004
  • Published: 04/21/2005
  • Est. Priority Date: 05/15/2000
  • Status: Abandoned Application
First Claim
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14. A method for allowing customized use of an electronic card having a card number that varies with each use, comprising the steps of:

  • (1) allowing a user to select a customization parameter to customize a given use of the electronic card by at least one of the following steps;

    (a) customizing generation of a one-time card number;

    (b) customizing a user identifier;

    or (c) inclusion of a customization variable with information transmitted to a verification agency for validation of the given use;

    (2) generating a user one-time payment card number through use of a card number generator;

    (3) submitting the user one-time payment card number and the user identifier to a verification agency for validation, and, if the user has selected step (1)(c), including the customization variable with the submission for the given use; and

    (4) verifying that the one-time payment card number is valid for the given use.

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