Credit card features to prevent skimmer fraud
AssigneeThe PNC Financial Services Group, Inc.
InventorRobert E. Porco
Life of this patent
Estimating the term…
Abstract
A system can include a physical payment card, a point-of-sale card payment device for processing a payment using the physical payment card, and a card payment network in communication with the point-of-sale card payment device. The physical payment card includes embedded data and non-embedded data. Embedded data may include payment information required for processing a payment using the physical payment card, where at least a portion of the payment information is not printed visibly on the physical payment card. Non-embedded data may include a multi-character code may include at least one special character, where the multi-character code is required for processing a payment using the physical payment card.
Claims18
A system, comprising:
- a physical payment card, comprising:
- embedded data comprising payment information required for processing a payment using the physical payment card, wherein at least a portion of the payment information is not printed visibly on the physical payment card;
- and
- non-embedded data comprising a multi-character code comprising at least one special character, wherein the multi-character code is required for processing a payment using the physical payment card, and wherein the at least one special character comprises
- a non-alphanumeric character;
- and
- a point-of-sale card payment device for processing a payment using the physical payment card, the point-of-sale card payment device comprising:
- a reader, wherein the reader is to read the embedded data from the physical payment card;
- and
- a user interface to receive as an input the multi-character code.
A method of processing a payment with a physical payment card, the physical payment card comprising embedded data and a multi-character code separate and distinct from the embedded data, wherein the multi-character code comprises at least one special character, and wherein the at least one special character comprises a non-alphanumeric character, the method comprising:
- reading, by a point-of-sale system, the embedded data in an electronic format on the physical payment card;
- receiving, by the point-of-sale system, the multi-character code by a manual input;
- processing, by the point-of-sale system, the multi-character code;
- and
- transmitting, by the point-of-sale system, the embedded data and the multi-character code to a card payment network for processing.
A method of processing a payment with a physical payment card, the physical payment card comprising embedded data and a multi-character code separate and distinct from the embedded data, wherein the multi-character code comprises at least one special character, and wherein the at least one special character comprises a non-alphanumeric character, the method comprising:
- receiving, by a card payment network, payment information in an electronic format based on the embedded data on the physical payment card;
- receiving, by the card payment network, the multi-character code in an electronic format based on manual input;
- verifying, by the card payment network, the authenticity of a payment by the physical payment card based on the payment information and the multi-character code;
- and
- declining, by the card payment network, the payment unless the physical payment card is authenticated.
Dependencies are inferred from the claim text.