US 8,095,113 B2Granted

Onetime passwords for smart chip cards

AssigneeFirst Data Corporation

InventorsBrian Kean, Christopher T. Cox

Life of this patent

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Abstract

A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.

Claims8

Dependent claims

A onetime password server comprising:

an input-output interface;
memory;
and a
a processor coupled with the input-output interface and the memory, wherein the processor includes instructions for
generating a first onetime password;
associating the first onetime password with a first account number;
looking up a mobile device phone number or identification number associated in the memory with the first account number;
transmitting the first onetime password to a mobile device through the input-output interface using the mobile device phone number or identification number;
receiving a second onetime password and a second account number from a point of sale device via the input-output interface;
determining whether the second onetime password and the first onetime password match;
in the event that the second onetime password and the first onetime password match, authenticating a transaction for use with the second account number;
and
in the event that the second onetime password and the first onetime password do not match, denying authentication of a transaction for use with the second account number.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/365,697Filed 4 Feb 2009 · continuation in part
Priority: 17 Oct 2007
Published: US 2009/0104888 A113 Aug 2009
Granted: 10 Jan 2012
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

G07F 7/0833
Details of the card: card having specific functional components
G06F 21/31
Authentication, i.e. establishing the identity or authorisation of security principals: user authentication
G06Q 20/105
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: involving programming of a portable…
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems

Family

Application11/873,611Parent of this continuation-in-part · filed 17 Oct 2007
US 2009/0200371 A1Pre-grant publication · published 13 Aug 2009
US 2009/0104888 A1Published application
US 8,565,723 B2Related patent
US 8,095,113 B2This patent

From the US filing history. Foreign family members aren’t listed.