Dynamic credit card security code via mobile device

• US 8,365,988 B1
• Filed: 04/11/2008
• Issued: 02/05/2013
• Est. Priority Date: 04/11/2008
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Medina, Reynaldo III, Billman, Bradly Jay
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US12/101,881
• Time in Patent Office: 1,761 Days
• Field of Search: 235/375, 235/380, 235/383, 235/451, 235/487, 235/492, 235/494, 455/410, 455/411, 455/558, 705/35, 705 38- 44
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card

Abstract

Systems, methods and computer readable media are disclosed for prioritizing tasks associated with a group of first users based on number of times the first users have monitored the status of a task. In addition to the general system, systems, methods and computer readable media for task prioritizing, the tasks may be prioritized based on the number of first users associated with a task, the importance of each first user associated with a task, and the way the task was identified.

Claims

1. A method for preventing fraud associated with a credit card, comprising:

receiving, by a user at a mobile device of the user, a first security code associated with a credit card account of the user;

displaying, the first security code when a wireless communications receiver of the mobile device is able to sense a wireless communications transponder of the credit card;

initiating, by the user, a credit card transaction using the first security code;

receiving, by the user'"'"'s mobile device, a second security code, from a credit card server, associated with the credit card account when the wireless communications receiver of the mobile device is able to sense the wireless communications transponder of the credit card and the user'"'"'s mobile device sends confirmation to the credit card server that the mobile device is able to sense the wireless communications transponder of the credit card, wherein the second security code replaces the first security code and is encrypted with two layers of asymmetrical cryptography.

2. The method of claim 1, wherein receiving the second security code further comprises:

validating, by the mobile device, a credential supplied by the user before displaying the second security code.

3. The method of claim 1, wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising:

decrypting, by the user'"'"'s mobile device, the second security code.

4. The method of claim 1, wherein receiving the security code by the mobile device of the first user includes converting the security code into an alternative representation comprising a series of symbols drawn from at least one of:

a digit, a letter, a symbol, and a color.

5. The method of claim 1, wherein the second security code is different from the first security code.

6. The method of claim 1, wherein receiving the second security code further comprises validating, by the mobile device, a credential supplied by the user before displaying the second security code;

wherein the credit card contains a radio frequency identification device, the mobile device contains a radio frequency identification sensor, and receiving the second security code comprises receiving the second security code when the mobile device is able to sense the radio frequency identification device of the credit card;

wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising decrypting, by the user'"'"'s mobile device, the second security code;

wherein receiving the security code by the mobile device of the first user includes converting the security code into an alternative representation comprising a series of symbols drawn from at least one of a digit, a letter, a symbol, and a color; and

wherein the second security code is different from the first security code.

7. A system for preventing fraud associated with a credit card, comprising:

at least one subsystem configured to receive, by a first user at a mobile device of the first user, a first security code associated with a credit card account of the first user;

at least one subsystem configured to display, the first security code when a wireless communications receiver of the mobile device is able to sense a wireless communications transponder of the credit card;

at least one subsystem configured to conduct, by the first user, a credit card transaction using the first security code;

at least one subsystem configured to receive, by the user'"'"'s mobile device, a second security code, from a credit card server, associated with the credit card account when the wireless communications receiver of the mobile device is able to sense the wireless communications transponder of the credit card and the user'"'"'s mobile device sends confirmation to the credit card server that the mobile device is able to sense the wireless communications transponder of the credit card, wherein the second security code replaces the first security code and is encrypted with two layers of asymmetrical cryptography.

8. The system of claim 7, wherein the at least one subsystem configured to receive the second security code further comprises:

at least one subsystem configured to validate, by the mobile device, a credential supplied by the user before displaying the second security code.

9. The system of claim 7, wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising:

at least one subsystem configured to decrypt, by the user'"'"'s mobile device, the second security code.

10. The system of claim 7, wherein the at least one subsystem configured to receive the security code by the mobile device of the first user includes at least one subsystem configured to convert the security code into an alternative representation comprising a series of symbols drawn from at least one of:

a digit, a letter, a symbol, and a color.

11. The system of claim 7, wherein the second security code is different from the first security code.

12. The system of claim 7, wherein the at least one subsystem configured to receive the second security code further comprises at least one subsystem configured to validate, by the mobile device, a credential supplied by the user before displaying the second security code;

wherein the credit card contains a radio frequency identification device, the mobile device contains a radio frequency identification sensor, and the at least one subsystem configured to receive the second security code comprises at least one subsystem configured to receive the second security code when the mobile device is able to sense the radio frequency identification device of the credit card;

wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising at least one subsystem configured to decrypt, by the user'"'"'s mobile device, the second security code;

wherein at least one subsystem configured to receive the security code by the mobile device of the first user includes at least one subsystem configured to convert the security code into an alternative representation comprising a series of symbols drawn from at least one of a digit, a letter, a symbol, and a color; and

wherein the second security code is different from the first security code.

13. A computer readable medium having a plurality of computer executable instructions, comprising instructions for:

receiving, by a first user at a mobile device of the first user, a first security code associated with a credit card account of the first user, wherein the first security code is displayed by the mobile device when a wireless communications receiver of the mobile device is able to sense a wireless communications transponder of the credit card;

conducting, by the first user, a credit card transaction using the first security code;

receiving, by the user'"'"'s mobile device, a second security code, from a credit card server, associated with the credit card account when the wireless communications receiver of the mobile device is able to sense the wireless communications transponder of the credit card and the user'"'"'s mobile device sends confirmation to the credit card server that the mobile device is able to sense the wireless communications transponder of the credit card, wherein the second security code replaces the first security code and is encrypted with two layers of asymmetrical cryptography.

14. The computer readable medium of claim 13, wherein receiving the second security code further comprises:

validating, by the mobile device, a credential supplied by the user before displaying the second security code.

15. The computer readable medium of claim 13, wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising:

decrypting, by the user'"'"'s mobile device, the second security code.

16. The computer readable medium of claim 13, wherein receiving the security code by the mobile device of the first user includes converting the security code into an alternative representation comprising a series of symbols drawn from at least one of:

a digit, a letter, a symbol, and a color.

17. The computer readable medium of claim 13, wherein the second security code is different from the first security code.

18. The computer readable medium of claim 13, wherein receiving the second security code further comprises validating, by the mobile device, a credential supplied by the user before displaying the second security code;

wherein the credit card contains a radio frequency identification device, the mobile device contains a radio frequency identification sensor, and receiving the second security code comprises receiving the second security code when the mobile device is able to sense the radio frequency identification device of the credit card;

wherein the second security code is encrypted when received by the user'"'"'s mobile device, further comprising decrypting, by the user'"'"'s mobile device, the second security code;

wherein receiving the security code by the mobile device of the first user includes converting the security code into an alternative representation comprising a series of symbols drawn from at least one of a digit, a letter, a symbol, and a color; and

wherein the second security code is different from the first security code.