发明名称 |
METHOD AND APPARATUS FOR USING AT LEAST A PORTION OF A ONE-TIME PASSWORD AS A DYNAMIC CARD VERIFICATION VALUE |
摘要 |
Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (CVV) are disclosed. A credit/debit card is able to generate a dynamic card verification value (CVV). Such a card may also include an indication that the dynamic CVV is to be used as a security code for purchasing or other transactions. A card-based financial transaction can be authorized in accordance with the use of a dynamic CVV by receiving a transaction authorization request for a specific credit/debit card, wherein the transaction authorization request includes a dynamic CVV. The dynamic CVV can be compared to at least a portion of a one-time password generated for the specific credit/debit card, and a transaction authorization can be sent to the merchant or vendor when the dynamic CVV matches all or a portion of the one-time password. |
申请公布号 |
WO2008067160(A2) |
申请公布日期 |
2008.06.05 |
申请号 |
WO2007US84529 |
申请日期 |
2007.11.13 |
申请人 |
BANK OF AMERICA CORPORATION;ASHFIELD, JAMES, M. |
发明人 |
ASHFIELD, JAMES, M. |
分类号 |
G07F7/10;G06Q20/00 |
主分类号 |
G07F7/10 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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