Payment card, authentication method and use for a remote payment
AssigneeCcs12
InventorsWilliam Smadja, Marlene Abisdid
Life of this patent
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Abstract
The payment card includes at least one authentication cryptogram on one side of the card. The authentication cryptogram being unique and belonging to the payment card, is affixed to the payment card and identifies the payment card by optical recognition. The optical recognition identifier is linked to a bank account to which the payment card is linked. The method for authenticating the payment card and the bearer of the payment card is performed for a secure operation relating to personal data of the bearer of the payment card. Finally, the invention relates to a use of the authentication method to make a remote payment using the payment card.
Claims14
An authentication system, comprising:
- a payment card being comprised of a front side, a back side, and an electronic chip, said payment card being linked to a bank account of a bearer to whom said payment card belongs,
- wherein said front side is comprised of security data comprising at least one primary account number (PAN number), an identity of said bearer, and an expiration date of said payment card,
- wherein said back side is comprised of a card verification code (CVV code) being comprised of three digits;
- and
- an authentication cryptogram being unique to said payment card and being affixed to said payment card;
- and
- a digital terminal belonging to the bearer and having a digital recognition module in communication with a secure digital space so as to identify said authentication cryptogram in said secure digital space by optical recognition through said digital terminal and finalize a secure operation relating to the bank account.
Dependencies are inferred from the claim text.