×

DYNAMIC PRIMARY ACCOUNT NUMBER (PAN) AND UNIQUE KEY PER CARD

  • US 20100185545A1
  • Filed: 01/22/2009
  • Published: 07/22/2010
  • Est. Priority Date: 01/22/2009
  • Status: Active Grant
First Claim
Patent Images

1. A method of processing a financial transaction related to a financial account having a real Primary Account Number (PAN), the method comprising:

  • detecting initiation of the transaction with a device used as a presentation instrument in the transaction;

    generating a Dynamic Transaction Cryptogram (DTC) that is valid for a single transaction;

    generating a dynamic PAN at the device, the dynamic PAN comprising an encrypted form of the real PAN that is valid for the single transaction; and

    providing the DTC and the dynamic PAN from the device for use in the transaction.

View all claims
  • 8 Assignments
Timeline View
Assignment View
    ×
    ×