Secure payment card, method and system
First Claim
1. An authentication method for use in a payment card, said method comprising:
- verifying, within the payment card, a credential presented to the payment card by a payment card user as being a valid credential for the payment card user;
thengenerating, within the payment card, a temporal signal value;
generating, using a processor within the payment card, a message digest based at least in part on a seed value stored within the payment card and the temporal signal value;
encoding, using the processor within the payment card, at least a portion of the message digest using an alpha-numeric code to form an alpha-numeric authentication cryptogram;
communicating, using an interface device within the payment card, a payment card identifying number stored within the payment card to a payment processing system; and
communicating, using the interface device within the payment card, the alpha-numeric authentication cryptogram in a payment card account name field to the payment processing system instead of communicating a payment account name in said payment card account name field.
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Accused Products
Abstract
A payment card system uses a static payment card identifying number and generates, for each attempted transaction, an authentication cryptogram based at least upon a seed value stored within the payment card and further based upon a temporal signal value that changes for each attempted use of the payment card. The authentication cryptogram may be alpha-numerically encoded, preferably using a radix-32 coding to provide 5-bits of information for each character or symbol, and may be communicated in a 26-character payment card account name field instead of communicating a payment account name in said payment card account name field, to thus convey up to 130-bits of information while maintaining compatibility with existing point-of-sale equipment and payment system infrastructure.
83 Citations
28 Claims
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1. An authentication method for use in a payment card, said method comprising:
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verifying, within the payment card, a credential presented to the payment card by a payment card user as being a valid credential for the payment card user;
thengenerating, within the payment card, a temporal signal value; generating, using a processor within the payment card, a message digest based at least in part on a seed value stored within the payment card and the temporal signal value; encoding, using the processor within the payment card, at least a portion of the message digest using an alpha-numeric code to form an alpha-numeric authentication cryptogram; communicating, using an interface device within the payment card, a payment card identifying number stored within the payment card to a payment processing system; and communicating, using the interface device within the payment card, the alpha-numeric authentication cryptogram in a payment card account name field to the payment processing system instead of communicating a payment account name in said payment card account name field. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 26, 27, 28)
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14. A payment card comprising:
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an input device operable to receive a credential presented by a payment card user; a temporal value circuit operable to generate a temporal signal value; a storage device operable to store a seed value corresponding to the payment card; a processor operable to verify the credential presented by the payment card user, and further operable to generate a message digest based at least in part on the seed value and the temporal signal value, and to encode at least a portion of the message digest using an alpha-numeric code to form an alpha-numeric authentication cryptogram; an interface device operable to communicate a payment card identifying number in a payment card account number field to a payment processing system, and further operable to communicate the alpha-numeric authentication cryptogram in a payment card account name field to the payment processing system instead of communicating a payment account name in said payment card account name field. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification