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US 8,615,468 B2Granted
System and method for generating a dynamic card value
AssigneeCA, Inc.
InventorRammohan Varadarajan
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AssigneeCA, Inc.
InventorRammohan Varadarajan
Estimating the term…
A method and system is provided for generating a dynamic card value (DCV) from a mobile user device for use in a transaction between a user cardholder and a transaction provider. The DCV may be configured for use as a card verification value (CVV), also known as a card security code (CSC), a primary account number (PAN), or a portion of a PAN. The DCV may be generated using a DCV generator which may include an algorithm and a DCV generation key. The DCV generation key may be camouflaged. Obtaining a DCV from the user device may require inputting a PIN, a device identifier, a challenge or transaction information. The DCV may be used for any transaction requiring the input of a user identification number and a verification value, including, credit card transactions, debit card transactions, online or telephonic transactions.
A method for generating a dynamic card value (DCV) configured for use in a transaction between a user and a transaction provider, comprising:
A system for generating a dynamic card value (DCV) configured for use in a transaction between a user and a transaction provider, comprising:
A tangible, non-transitory computer-readable medium having instructions stored thereon that when executed by a processor perform a method for generating a dynamic card value (DCV) configured for use in a transaction between a user and a transaction provider, the method comprising:
Dependencies are inferred from the claim text.