BANK CARD AUTHENTICATION SYSTEM AND METHOD Russian patent published in 2012 - IPC G06Q20/34

Abstract RU 2463659 C2

FIELD: information technology.

SUBSTANCE: method involves: reading a first alternate code (LEN_card) from a bank card; transmitting the LEN_card to an authorisation server connected to an authorisation database; retrieving at least a next alternate code (LEN_current) from the authorisation database; and comparing LEN_card and LEN_current. If the LEN_card is not equal to the LEN_current then, if the bank card is a new card, the method involves processing the bank card as a new card, otherwise the bank card is recognised as a fraudulent card. If the LEN_card equals the LEN_current, then the method involves generating the next alternate code (LEN_new); writing the LEN_new to the bank card in place of the LEN_card; and writing the LEN_new to the authorisation database in place of the LEN_current.

EFFECT: high reliability of authenticating a bank card during financial transactions.

17 cl, 3 dwg

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RU 2 463 659 C2

Authors

Terner Mikhaehl Dzhordzh

Dates

2012-10-10—Published

2008-10-20—Filed