FIELD: generating and updating security codes for use with credit and debit cards.
SUBSTANCE: said invention is an integrated system of "dynamic security code" (DSC-system), which can change the security code of the prepaid, debit or credit card (payment card). DSC-system provides values of dynamic protective code (DSC-value), which can have limited use. DSC values provided by said DSC system, can be calculated using different methodologies and can be used within existing standard payment card infrastructures. DSC-system can also be used with other form factors and in other media not related to payments, for example, when requesting a balance. DSC-values can be calculated by DSC-server-generator or on card itself.
EFFECT: invention is aimed at preventing fraud "without physical presence of card".
21 cl, 6 dwg
| Title |
Year |
Author |
Number |
| METHOD FOR SYSTEM FOR GENERATING SECURITY CODE OF PREPAID, DEBIT AND CREDIT CARDS |
2017 |
- Essebag, Jacques
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|
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|
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|
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- Van De Vel'De Ehddi L. Kh.
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|
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2016 |
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2017 |
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2018 |
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|
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| PAYMENT TERMINAL USING MOBILE COMMUNICATION DEVICE SUCH AS MOBILE TELEPHONE AND NON-CASH PAYMENT METHOD |
2010 |
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|
RU2543935C2 |
| SYSTEM AND METHOD OF USING PROTECTED ACCOUNT NUMBERS IN NON-CONTACT DEVICES |
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|
RU2419872C2 |
