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Method and system for generating a dynamic verification value

  • US 8,636,205 B2
  • Filed: 02/08/2013
  • Issued: 01/28/2014
  • Est. Priority Date: 08/18/2003
  • Status: Expired due to Term
First Claim
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1. A method comprising:

  • deploying to a portable consumer device a payment service for a dynamic verification value;

    receiving, at a service provider computer, a payment transaction having the dynamic verification value from the portable consumer device, wherein the dynamic verification value is present in the portable consumer device prior to sending to the service provider computer;

    determining based on an indicator that the deployed payment service supports a dynamic verification value;

    generating, at the service provider computer, the dynamic verification value, the generating based on the indicator that the deployed payment service supports the dynamic verification value; and

    determining if the generated and received dynamic verification values match,wherein the service provider computer allows the payment transaction to proceed if the generated and received dynamic verification values match.

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