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System and method for generating an unpredictable number using a seeded algorithm

  • US 8,260,722 B2
  • Filed: 07/14/2011
  • Issued: 09/04/2012
  • Est. Priority Date: 07/10/2001
  • Status: Expired due to Fees
First Claim
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1. A method comprising:

  • determining, by a computer based system for generating a truncated unpredictable number to facilitate securing a transaction and based upon at least one of an account issuer or a merchant system, a proposed maximum value for an unpredictable number;

    performing, by the computer based system, a secure hashing algorithm on variable data to produce a message digest, wherein the secure hashing algorithm is configured to produce a digest of at least 16 bytes;

    selecting, by the computer based system, at least one of a left-most 16 bytes or a right-most 16 bytes of the message digest to form a random 16-byte value;

    creating, by the computer based system, the unpredictable number using the random 16-byte value as an input for a seeded pseudo-random number generator;

    truncating, by the computer based system, the unpredictable number to create the truncated unpredictable number, wherein the truncated unpredictable number is limited to the proposed maximum value; and

    sending, by the computer based system, the truncated unpredictable number and a cryptogram to an account issuer, wherein the account issuer validates the cryptogram and verifies that the cryptogram includes the truncated unpredictable number.

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