Dynamic code payment card verification methods and systems

A system comprising:

• one or more processors;
• and
• one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations for dynamic code payment card verification, the operations comprising:
• storing a user account of a user, wherein the user account comprises identifiers of a plurality of payment cards and a pre-determined time period;
• receiving, from a verification application on a user device, a user request to receive (A) two or more dynamic codes associated with two or more payment cards of the plurality of payment cards, and (B) indications of time remaining that the two or more current dynamic codes are valid, wherein the user request comprises identifiers of the two or more payment cards;
• in response to the user request, sending (A) the two or more current dynamic codes and (B) the indications of time remaining that the two or more dynamic codes are valid, to the verification application to display on a user interface of the user device;
• receiving, from a remote computing device, a first request for authorization of a transaction associated with a first payment card of the two or more payment cards, wherein the first request includes at least a first identifier of the first payment card, a first verification code, and a time of the first request, wherein the first verification code is one of the sent two or more dynamic codes;
• transmitting, to a remote server, a second request for a first dynamic code, wherein the second request comprises the time of the first request and the first identifier of the first payment card;
• receiving, from the remote server, the first dynamic code, wherein the first dynamic code from the remote server is associated with the time of the first request;
• receiving, from the verification application providing the first verification code, a notification that that the verification application authenticates the user associated with the payment card based on biometric authentication information provided by the user;
• based on the received first dynamic code and the notification, determining whether the received first verification code matches the received first dynamic code;
• in response to determining that the received first verification code does not match the received first dynamic code, determining whether (A) a second verification code, which is a prior verification code to the first verification code, matches the received first dynamic code, (B) a time of the second request of the transaction is within the pre-determined time period from the time of the first request of the transaction, and (C) the user associated with the payment card provided the biometric authentication information of the user;
• and
• based on the determining that (A) the second verification code matches the received first dynamic code, (B) the time of the second request of the transaction is within the pre-determined time period from the time of the first request of the transaction, and (C) the verification application authenticates the user associated with the payment card based on the biometric authentication information to the verification application, authorizing the transaction.

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a computing system, cause the one or more processors of the computing system to perform operations for dynamic code payment card verification, the operations comprising:

• storing a user account of a user, wherein the user account comprises identifiers of a plurality of payment cards and a pre-determined time period;
• receiving, from a verification application on a user device, a user request to receive (A) two or more dynamic codes associated with two or more payment cards of the plurality of payment cards, and (B) indications of time remaining that the two or more current dynamic codes are valid, wherein the user request comprises identifiers of the two or more payment cards;
• in response to the user request, sending (A) the two or more dynamic codes and (B) the indications of time remaining that the two or more current dynamic codes are valid, to the verification application to display on a user interface of the user device;
• receiving, from a remote computing device, a first request for authorization of a transaction associated with a first payment card of the two or more payment cards, wherein the first request includes at least a first identifier of the first payment card, a first verification code, and a time of the first request, wherein the first verification code is one of the sent two or more dynamic codes;
• transmitting, to a remote server, a second request for a first dynamic code, wherein the second request comprises the time of the first request and the first identifier of the first payment card;
• receiving, from the remote server, the first dynamic code, wherein the first dynamic code from the remote server is associated with the time of the first request;
• receiving, from the verification application providing the first verification code, a notification that that the verification application authenticates the user associated with the payment card based on biometric authentication information provided by the user;
• based on the received first dynamic code and the notification, determining whether the received first verification code matches the received first dynamic code;
• in response to determining that the received first verification code does not match the received first dynamic code, determining whether (A) a second verification code, which is a prior verification code to the first verification code, matches the received first dynamic code, (B) a time of the second request of the transaction is within the pre-determined time period from the time of the first request of the transaction, and (C) the user associated with the payment card provided the biometric authentication information of the user;
• and
• based on the determining that (A) the second verification code matches the received first dynamic code, (B) the time of the second request of the transaction is within the pre-determined time period from the time of the first request of the transaction, and (C) the verification application authenticates the user associated with the payment card based on the biometric authentication information to the verification application, authorizing the transaction.