Dynamic card verification values and credit transactions
First Claim
Patent Images
1. A method comprising:
- receiving, by a computing device, a request to associate a card with a secure wallet on the computing device;
storing, in the secure wallet on the computing device, information related to card information, the information including an account identifier that is different from a card number printed on the card;
storing, on the computing device, a token associated with a user of the computing device and a card issuer of the card;
receiving, by the computing device, a request to provide, in connection with a purchase from a merchant, the information stored in the secure wallet on the computing device;
responsive to receiving the request to provide the information, requesting authentication from the user;
authenticating the user for access to the secure wallet;
generating new one-time-use information related to the information stored in the secure wallet; and
responsive to the authenticating, providing, from the computing device to the merchant via an electronic transmission, in connection with the purchase, the new one-time-use information related to the information stored in the secure wallet.
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Abstract
A system and method for providing card verification values for card-not-present transactions is described. In one example, a user'"'"'s computing device stores single-use CVVs to be provided from a secure wallet. The secure wallet may be software running on the user'"'"'s computing device. Alternatively, it may be an external device connectable to the user'"'"'s computing device, which accesses the external device to obtain the single-use CVV.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a computing device, a request to associate a card with a secure wallet on the computing device; storing, in the secure wallet on the computing device, information related to card information, the information including an account identifier that is different from a card number printed on the card; storing, on the computing device, a token associated with a user of the computing device and a card issuer of the card; receiving, by the computing device, a request to provide, in connection with a purchase from a merchant, the information stored in the secure wallet on the computing device; responsive to receiving the request to provide the information, requesting authentication from the user; authenticating the user for access to the secure wallet; generating new one-time-use information related to the information stored in the secure wallet; and responsive to the authenticating, providing, from the computing device to the merchant via an electronic transmission, in connection with the purchase, the new one-time-use information related to the information stored in the secure wallet. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 14, 15, 16, 17)
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13. Non-transitory computer-readable media storing executable instructions that, when executed by at least one processor, cause a system to:
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receive a request to associate a card with a secure wallet on the system; store, in the secure wallet on the system, information related to card information, the information including an account identifier that is different from a card number printed on the card; store a token associated with a user of the system and a card issuer of the card; receive, by the system, a request to provide, in connection with a purchase from a merchant, the information stored in the secure wallet on the system; responsive to receiving the request to provide the information, request authentication from the user; authenticate the user for access to the secure wallet; generate new one-time-use information related to the information stored in the secure wallet; and responsive to authenticating the user, provide via an electronic transmission to the merchant, in connection with the purchase, the new one-time-use information related to the information stored in the secure wallet. - View Dependent Claims (20)
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18. A system comprising:
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at least one processor; and non-transitory memory storing executable instructions that, when executed by the at least one processor, cause the system to; receive a request to associate a card with a secure wallet on the system; store, in the secure wallet on the system, information related to card information, the information including an account identifier that is different from a card number printed on the card; store a token associated with a user of the system and a card issuer of the card; receive, by the system, a request to provide, in connection with a purchase from a merchant, the information stored in the secure wallet on the system; responsive to receiving the request to provide the information, request authentication from the user; authenticate the user for access to the secure wallet; generate new one-time-use information related to the information stored in the secure wallet; and responsive to authenticating the user, provide via an electronic transmission to the merchant, in connection with the purchase, the new one-time-use information related to the information stored in the secure wallet. - View Dependent Claims (19)
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Specification