METHOD AND SYSTEM FOR IMPLEMENTING A DYNAMIC VERIFICATION VALUE
First Claim
Patent Images
1. A method comprising:
- receiving a message including an account identifier and a first verification value;
selecting a dynamic verification value process from at least two dynamic verification value processes using the account identifier;
determining a second verification value using the selected dynamic verification value process; and
determining if the first verification value and the second verification value match or are within an expected range.
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Abstract
A method is disclosed, which includes receiving a message including an account identifier and a first verification value. The method uses the account identifier to select a dynamic verification value process from at least two dynamic verification value processes. Then, using the selected dynamic verification value process, a second verification value is determined. Next, the method determines if the first verification value and the second verification value match or are within an expected range.
145 Citations
20 Claims
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1. A method comprising:
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receiving a message including an account identifier and a first verification value; selecting a dynamic verification value process from at least two dynamic verification value processes using the account identifier; determining a second verification value using the selected dynamic verification value process; and determining if the first verification value and the second verification value match or are within an expected range. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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generating a message including an account identifier and a first verification value; and sending the message to a server computer, wherein the server computer is configured to select a dynamic verification value process from at least two dynamic verification value processes using the account identifier, determine a second verification value using the selected dynamic verification value process, and determine if the first verification value and the second verification value match or are within an expected range. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification