US 2024/0135359 A1 · PAYMENT CARD, AUTHENTICATION METHOD AND USE FOR A REMOTE PAYMENT

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

Dependent claims

A payment card, comprising:

a front side;
a back side;
an electronic chip,
wherein said front side is comprised of security data which include at least one PAN number, an identity of the bearer of the payment card and an expiration date of the payment card,
wherein said back side is comprised of a CVV cryptogram being comprised of three digits;
and
a unique authentication cryptogram belonging to the payment card, the authentication cryptogram being affixed to the payment card,
wherein the authentication cryptogram forming a means of identifying the payment card by optical recognition, this identification means being linked to a bank account to which the payment card is linked.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application

18/547,741Filed 21 Feb 2022

Priority

FR 210180024 Feb 2021

Published

25 Apr 2024

Term ends

Not estimatedThe source records don’t support an estimate.

Classification17 codes

G06Q 20/3415
Active cards, i.e. cards including their own processing means, e.g. including an IC or chip: cards acting autonomously as pay-media
G06Q 20/4018
Transaction verification: using the card verification value [CVV] associated with the card
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06Q 20/3223
Aspects of commerce using mobile devices [M-devices]: realising banking transactions through M-devices

Payment card, authentication method and use for a remote payment

Life of this patent

Payment card, authentication method and use for a remote payment

Life of this patent

Abstract

Claims14