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Method and device for generating a single-use financial account number

DC
  • US 7,177,835 B1
  • Filed: 04/03/2000
  • Issued: 02/13/2007
  • Est. Priority Date: 08/28/1997
  • Status: Expired due to Fees
First Claim
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1. An apparatus, comprising:

  • a processing unit, said processing unit including a cryptographic processor;

    a communications unit, in communication with said processing unit, operable to transmit and receive information regarding a second account identifier for use in place of a first account identifier; and

    a memory device connected to said processing unit, said memory device containinga private cryptographic key,a first data element,a second data element anda program, adapted to be executed by said processing unit, to receive the second account identifier,extract from the second account identifier a third data element and a fourth data element,decrypt the third data element using the private cryptographic key and the fourth element,compare the decrypted third data element with the first data element in a first comparison,compare the fourth data key element with the second data element in a second comparison, andverify the second account identifier in accordance with the first comparison and the second comparison.

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