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Onetime passwords for smart chip cards

  • US 8,095,113 B2
  • Filed: 02/04/2009
  • Issued: 01/10/2012
  • Est. Priority Date: 10/17/2007
  • Status: Active Grant
First Claim
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1. A onetime password server comprising:

  • an input-output interface;

    memory; and

    aa processor coupled with the input-output interface and the memory, wherein the processor includes instructions forgenerating a first onetime password;

    associating the first onetime password with a first account number;

    looking up a mobile device phone number or identification number associated in the memory with the first account number;

    transmitting the first onetime password to a mobile device through the input-output interface using the mobile device phone number or identification number;

    receiving a second onetime password and a second account number from a point of sale device via the input-output interface;

    determining whether the second onetime password and the first onetime password match;

    in the event that the second onetime password and the first onetime password match, authenticating a transaction for use with the second account number; and

    in the event that the second onetime password and the first onetime password do not match, denying authentication of a transaction for use with the second account number.

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