Payment Card with Dynamic Account Number
First Claim
1. A payment card comprising:
- a processor;
a trigger source coupled to the processor; and
a display for outputting at least a portion of a dynamic account number under control of the processor responsive to the trigger source;
wherein the dynamic account number is determined based at least in part on a seed stored in the payment card and an output of the trigger source; and
wherein at least a portion of the dynamic account number replaces a corresponding portion of a static account number associated with the payment card.
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0 Petitions
Accused Products
Abstract
A payment card comprises a processor, a trigger source coupled to the processor, and a display for outputting at least a portion of a dynamic account number under control of the processor responsive to the trigger source. The dynamic account number is determined based at least in part on a seed stored in the payment card and an output of the trigger source. In an illustrative embodiment, the dynamic account number is generated utilizing a time-based or event-based one-time password algorithm. For example, in a time-based embodiment, the trigger source may comprise a time of day clock, with the dynamic account number being determined based at least in part on the seed and a current value of the time of day clock. In an event-based embodiment, the trigger source may comprise an event counter, with the dynamic account number being determined based at least in part on the seed and a current value of the event counter.
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Citations
22 Claims
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1. A payment card comprising:
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a processor; a trigger source coupled to the processor; and a display for outputting at least a portion of a dynamic account number under control of the processor responsive to the trigger source; wherein the dynamic account number is determined based at least in part on a seed stored in the payment card and an output of the trigger source; and wherein at least a portion of the dynamic account number replaces a corresponding portion of a static account number associated with the payment card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A server comprising:
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a memory; and a processor coupled to a the memory; the server being configured to receive a dynamic account number determined by a payment card and to determine a corresponding static account number, wherein the dynamic account number is determined by the payment card based at least in part on a seed stored in the payment card and an output of a trigger source of the payment card. - View Dependent Claims (16)
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17. A method for use in a payment card, the payment card comprising a processor, a trigger source coupled to the processor, and a display, the method comprising the steps of:
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receiving an output of the trigger source; and determining a dynamic account number, at least a portion of which is output on said display, based at least in part on a seed stored in the payment card and the output of the trigger source; wherein at least a portion of the dynamic account number replaces a corresponding portion of a static account number associated with the payment card. - View Dependent Claims (18, 19)
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20. A payment card processing system comprising:
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a plurality of payment cards; at least one host device configured for communication with one or more of the payment cards; and at least one server configured for communication with the host device; wherein at least one of the payment cards comprises a processor, a trigger source coupled to the processor, and a display for outputting at least a portion of a dynamic account number under control of the processor responsive to the trigger source, the dynamic account number being determined based at least in part on a seed stored in the payment card and an output of the trigger source; wherein at least a portion of the dynamic account number replaces a corresponding portion of a static account number associated with the payment card; wherein the dynamic account number is provided to the host device and communicated from the host device to the server; and wherein the server is configured to determine the static account number from the dynamic account number. - View Dependent Claims (21, 22)
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Specification