- 专利标题: Dynamic code payment card verification methods and systems
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申请号: US17864301申请日: 2022-07-13
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公开(公告)号: US12118547B1公开(公告)日: 2024-10-15
- 发明人: Patrick Adam
- 申请人: United Services Automobile Association (USAA)
- 申请人地址: US TX San Antonio
- 专利权人: United Services Automobile Association (USAA)
- 当前专利权人: United Services Automobile Association (USAA)
- 当前专利权人地址: US TX San Antonio
- 代理机构: Perkins Coie LLP
- 主分类号: G06Q20/40
- IPC分类号: G06Q20/40 ; G06Q20/34
摘要:
Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can issue a payment card to a user. The payment card can be associated with a verification application accessible by a device associated with the user. The verification application can include a dynamic code associated with the payment card. The system can receive a request for authorization for a transaction using the payment card from a remote computing device, and the request can include an identifier of the payment card and a verification code. The system can identify the payment card using the identifier of the payment card and can compare the verification code with a value of the dynamic code at the time of the transaction. The system can authorize the transaction when the verification code matches the value of the dynamic code at the time of the transaction.
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