Virtual card
A system for securing a financial transaction that includes a back-end unit for generating a value that is used in the financial transaction, a central communication engine for receiving the value from the unit, wherein the engine is capable of receiving and sending the value securely, and a device that includes a processor, a communication module for receiving the value, and a memory unit for storing the value, and a display for providing information related to the value, wherein the information secures the financial transaction.
1 . A system for securing a financial transaction, the system comprising
a unit for generating a value that is used in the financial transaction;
a communication engine for receiving the value from the unit, wherein the communication engine is capable of receiving and sending the value securely; and
a device comprising:
a processor;
a communication module for conducting a secure communication session with the communication engine to receive the value;
a memory unit for storing the value; and
a display for providing information related to the value, wherein the information secures the financial transaction.
2 . The system of claim 1 , wherein the information is a visual representation of the value in numeric form.
3 . The system of claim 1 , wherein the information is a bar code representation of the value.
4 . The system of claim 1 , wherein the information is a dynamic number replaces a portion of an account number being used in the financial transaction and wherein the dynamic number is sent as part of the financial transaction message.
5 . The system of claim 1 , wherein the information is a value that is included as part of the financial transaction message and sent in the discretionary data field.