| 摘要 |
FIELD: physics, computer engineering.SUBSTANCE: invention relates to methods and computer systems for conducting a transaction between a cardholder and a merchant. The method comprises, in response to initiation of a transaction by a cardholder, receiving, in the computer system of a payment processing network, a request to obtain a proxy dynamic value from the computer system of a merchant; generating and associating, by the computer system of the payment processing network, the proxy dynamic value different from and corresponding to a primary account number (PAN) of the payment device, and providing, by the computer system of the payment processing network, the proxy dynamic value to the computer system of the merchant, wherein the transaction is completed using the proxy dynamic value received by the computer system of the merchant.EFFECT: high transaction reliability.16 cl, 11 dwg |
