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Dynamic card validation value

  • US 7,922,082 B2
  • Filed: 01/02/2009
  • Issued: 04/12/2011
  • Est. Priority Date: 01/04/2008
  • Status: Expired due to Fees
First Claim
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1. A computer-readable medium comprising instructions that, when executed by a processor, cause an electronic computing system including a card processing server to:

  • automatically select a dynamic service code such that the dynamic service code is substantially unpredictable based on previously requested dynamically-generated card verification values (CVVs) for a transaction card;

    automatically generate a dynamically-generated CVV for the transaction card, wherein the dynamically-generated CVV is based on a card number of the transaction card, an expiry date of the transaction card, and the dynamic service code, and wherein the instructions cause the card processing server to;

    concatenate the card number of the transaction card, the expiry date of the transaction card, and the dynamic service code, thereby generating a first value;

    pad the first value with zeroes such that the first value includes 128 bits, thereby generating a second value;

    split the second value into a first 64-bit block and a second 64-bit block;

    encrypt the first 64-bit block with a first encryption key, thereby generating a third value;

    perform an “

    exclusive or”

    operation on the third value and the second 64-bit block, thereby generating a fourth value;

    encrypt the fourth value with the first encryption key, thereby generating a fifth value;

    decrypt the fifth value with a second encryption key, thereby generating a sixth value;

    encrypt the sixth value with the first encryption key, thereby generating a seventh value;

    extract all numeric digits in the seventh value, thereby generating an eighth value;

    extract all alphabetical digits in the seventh value, thereby generating a ninth value;

    convert the ninth value into numeric digits, thereby generating a tenth value;

    concatenate the eighth value and the tenth value, thereby generating an eleventh value; and

    select a leftmost three digits of the eleventh value as the dynamically-generated CVV;

    automatically send, from the card processing server to a cardholder device, a first set of data, the first set of data indicating the dynamically-generated CVV;

    in response to receiving a transaction request, automatically determine whether a provided CVV corresponds to the dynamically-generated CVV, the transaction request is a request for an economic transaction, the transaction request specifying the provided CVV and a card number of the transaction card; and

    record a charge against an account of a cardholder of the transaction card when it is determined that the provided CVV corresponds to the dynamically-generated CVV.

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