Dynamic card validation

Patent metadata

Field	Value
Publication number	US-2016012444-A1
Application number	US-201414327766-A
Country	US
Kind code	A1
Filing date	Jul 10, 2014
Priority date	Jul 10, 2014
Publication date	Jan 14, 2016
Grant date	—

Abstract

A card validation system receives a request to validate a card and receives one or more received cell values corresponding to one or more cell identifiers of a card validation matrix. The system determines one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix. The system compares the received cell values to the one or more stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.

First claim

1 . A card validation system, comprising:
an interface operable to:
receive a request to validate a card;
transmit one or more cell identifiers of a card validation matrix to a user;
receive one or more received cell values corresponding to the one or more cell identifiers of the card validation matrix;
one or more processors communicatively coupled to the interface and operable to:
determine the one or more cell identifiers to associate with the user;
determine one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix;
compare the received cell values to the one or more stored cell values; and
based at least in part upon the comparison, determine whether the card is validated.

2 . (canceled)

3 . The system of claim 1 , wherein the cell identifiers expire after a period of time.

4 . The system of claim 1 , wherein the cell identifiers expire after a predetermined number of uses.

5 . The system of claim 1 , the interface further operable to receive the one or more cell identifiers of the card validation matrix.

6 . The system of claim 1 , further comprising:
a memory communicatively coupled to the one or more processors and operable to store a seed corresponding to the card validation matrix; and the one or more processors further configured to generate the card validation matrix from the seed, wherein determining the one or more stored cell values comprises accessing the card validation matrix.

7 . The system of claim 1 , further comprising a memory communicatively coupled to the one or more processors and operable to store the card validation matrix, wherein determining the one or more stored cell values comprises accessing the card validation matrix.

8 . The system of claim 1 , wherein the card is remote to card validation system and includes the card validation matrix.

9 . A non-transitory computer-readable medium encoded with logic, the logic operable when executed to:
receive a request to validate a card; determine one or more cell identifiers of a card validation matrix to associate with a user; transmit the one or more cell identifiers of the card validation matrix to the user; receive one or more received cell values corresponding to the one or more cell identifiers of the card validation matrix; determine one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix; compare the received cell values to the one or more stored cell values; and based at least in part upon the comparison, determine whether the card is validated.

10 . (canceled)

11 . The computer-readable medium of claim 9 , wherein the cell identifiers expire after a period of time.

12 . The computer-readable medium of claim 9 , wherein the cell identifiers expire after a predetermined number of uses.

13 . The computer-readable medium of claim 9 , wherein the logic is further operable to receive the one or more cell identifiers of the card validation matrix.

14 . The computer-readable medium of claim 9 , wherein the logic is further operable to:
store a seed corresponding to the card validation matrix; and generate the card validation matrix from the seed, wherein determining the one or more stored cell values comprises accessing the card validation matrix.

15 . The computer-readable medium of claim 9 , wherein the logic is further operable to store the card validation matrix, wherein determining the one or more stored cell values comprises accessing the card validation matrix.

16 . A card validation method, comprising:
receiving, at an interface, a request to validate a card; determining, using a processor, one or more cell identifiers of a card validation matrix to associate with a user; transmitting, using the interface, the one or more cell identifiers to the user; receiving, at the interface, one or more received cell values corresponding to the one or more cell identifiers of the card validation matrix; determining, using the processor, one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix; comparing, using the processor, the received cell values to the one or more stored cell values; and based at least in part upon the comparison, determining, using the processor, whether the card is validated.

17 . (canceled)

18 . The method of claim 16 , wherein the cell identifiers expire after a period of time.

19 . The method of claim 16 , wherein the cell identifiers expire after a predetermined number of uses.

20 . The method of claim 16 , further comprising receiving, at the interface, the one or more cell identifiers of the card validation matrix.

21 . The method of claim 16 , further comprising:
storing, in a memory, a seed corresponding to the card validation matrix; generating, using the processor, the card validation matrix from the seed; and wherein determining the one or more stored cell values comprises accessing the card validation matrix.

22 . The method of claim 16 , further comprising storing, in a memory, the card validation matrix, wherein determining the one or more stored cell values comprises accessing the card validation matrix.

Assignees

• Bank Of America

Inventors

• Adams Amanda J
• Labella Lawrence R

Classifications

• G06Q20/34 Primary

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/409 Primary

  Device specific authentication in transaction processing · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/355

  Personalisation of cards for use · CPC title