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Authentication of a Data Card Using a Transit Verification Value

  • US 20140183259A1
  • Filed: 03/09/2014
  • Published: 07/03/2014
  • Est. Priority Date: 09/28/2006
  • Status: Active Grant
First Claim
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1. A method of processing an access transaction, the method comprising:

  • receiving access transaction application data from a portable consumer device associated with the access transaction application data and retail application data, wherein the received data comprises data from an access transaction data string that includes a transit verification value adapted for offline verification processing in connection with the portable consumer device;

    wherein the access transaction application data has an access data field configuration for use with a reader of an agency, wherein the retail application data has a retail data field configuration for use with a retail processing system of an issuer of the portable consumer device such that the issuer receives the retail application data and processes it to either authorize or deny a retail transaction and the retail data field configuration includes a retail primary account number (PAN) associated with the retail application data, wherein the retail data field configuration of the retail application data corresponds to a standardized format, andprocessing the received data, wherein processing the received data includes processing the transit verification value.

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