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AUTHENTICATION OF A DATA CARD USING A TRANSIT VERIFICATION VALUE

  • US 20080203152A1
  • Filed: 02/28/2007
  • Published: 08/28/2008
  • Est. Priority Date: 02/28/2007
  • Status: Active Grant
First Claim
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1. A portable consumer device comprising:

  • retail application data for use in connection with a retail transaction, the data having a predetermined data field configuration for use with a retail processing system of an issuer that receives the retail application data and processes it to either authorize or deny a retail transaction and includes a primary account number (PAN) associated with the retail application data;

    access transaction application data for use in connection with an access transaction, the access transaction application data having a predetermined data field configuration for use with a reader of an agency, wherein the predetermined data field configuration of the access transaction application data is substantially similar to the retail application data field configuration, except that the access transaction application data includes an access transaction PAN that is used by the issuer to selectively authorize the access transaction.

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