Electronic Transaction Security System And Method
1 Assignment
0 Petitions
Accused Products
Abstract
A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued by a financial institution. The payment card comprises an original payment card number. A first plurality of digits of the original payment card number is provided to a processor. The first plurality of digits are predetermined digits associated to the financial institution. A desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction is provided to the processor. A program is executed by the processor to set a first plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generate a first number corresponding to the desired expiration date, set a second plurality of digits in the time-limited number to the first number, and output the time-limited number.
-
Citations
11 Claims
-
1. (canceled)
-
2. (canceled)
-
3. (canceled)
-
4. (canceled)
-
5. (canceled)
-
6. (canceled)
-
7. (canceled)
-
8. A computerized method for identifying an account assigned to a user by an institution, wherein the institution associates the account with validation data that the institution requires to be supplied by the user to allow the user utilization of the account, and with an identifier that distinguishes the account from other accounts maintained by the institution for other users, and wherein a credential comprises a combination of the validation data and the identifier, comprising the steps of:
-
receiving, at a computing device controlled by the user, a first part of the credential from the institution; receiving at the computing device from the user a second part of the credential, wherein a combination of the second part with the first part completes the credential; and transmitting the credential from the computing device, via a wide area network, to a receiving server with a request to conduct a transaction with the institution based on the account. - View Dependent Claims (9, 10, 11)
-
Specification