Granted Patent B2

US 12,518,263 · App. 18/792,198 · Granted Jan 6, 2026

Inventor: Ayman Hammad (Pleasanton, CA)

Assignee: Visa International Service Association

G06Q20/341G06F21/34G06Q20/12G06Q20/352G06Q20/385G06Q20/40G06Q20/4018G06Q20/42G06Q20/425H04L9/10H04L9/14H04L9/3231H04L9/3234H04L63/0853H04L63/126G06F2221/2129H04L2209/12H04L2209/24H04L2209/805

Abstract

Claims (38)

1 . A method comprising:

receiving, by a computer from a user device via near field communications, a cryptogram, the cryptogram associated with a primary account number;

transmitting, by the computer, to a server computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information associated with the primary account number, the request including the cryptogram, wherein the server computer receives the cryptogram and then obtains and sends the dynamic account information to the computer;

receiving, by the computer from the server computer over the communications network comprising the Internet or the cellular phone network, the dynamic account information; and

conducting, by the computer with a merchant computer, a payment transaction using the dynamic account information,

wherein the user device is in the form of a card.

2 . The method of claim 1 , wherein the card is a payment card.

3 . The method of claim 1 , wherein the dynamic account information comprises a dynamic PAN.

4 . The method of claim 1 , wherein the cryptogram based at least upon at least the primary account number and a counter.

5 . The method of claim 1 , wherein the computer is a mobile phone.

6 . The method of claim 1 , wherein the cryptogram is a dynamic card verification value.

7 . The method of claim 1 , wherein the server computer validates the cryptogram by at least verifying that a counter value used to form the cryptogram is valid.

8 . The method of claim 1 , further comprising:

transmitting, by the computer to the server computer, a serial number of a verification token associated with the computer, wherein the server computer verifies the verification token before sending the dynamic account information.

9 . The method of claim 8 , wherein the verification token is in the computer.

10 . The method of claim 9 , wherein the computer is a mobile phone.

11 . A computer comprising;

a processor; and

a non-transitory computer readable medium comprising code executable by the processor, including instructions to cause the processor to perform operations comprising:

receiving, from a user device via near field communications, a cryptogram, the cryptogram associated with a primary account number;

transmitting to a server computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information associated with the primary account number, the request including the cryptogram, wherein the server computer receives the cryptogram and then obtains and sends the dynamic account information to the computer;

receiving, from the server computer over the communications network comprising the Internet or the cellular phone network, the dynamic account information; and

conducting, with a merchant computer, a payment transaction using the dynamic account information,

wherein the user device is in the form of a card.

12 . The computer of claim 11 , wherein the computer is a mobile phone.

13 . The computer of claim 11 , wherein the computer comprises a card reader coupled to the processor, wherein the card is capable of being read by the card reader.

14 . A method comprising:

receiving, by a server computer, a cryptogram from a computer over a communications network comprising the Internet or a cellular phone network, the cryptogram based at least upon a primary account number, the cryptogram obtained by the computer from a user device via near field communications, the user device being in the form of a card;

receiving, by the server computer from the computer over the communications network comprising the Internet or the cellular phone network, a request for dynamic account information, the request including the cryptogram; and

transmitting dynamic account information to the computer over the communications network, wherein the computer subsequently conducts a payment transaction with a merchant computer using the dynamic account information.

15 . The method of claim 14 , wherein the dynamic account information comprises a dynamic PAN and a device verification value.

16 . The method of claim 14 , wherein the method further comprises:

receiving a test message from the computer; and

verifying the test message before transmitting the dynamic account information to the computer.

17 . The method of claim 16 , wherein the test message comprises a serial number for a verification token in the computer, and verifying the test message comprises verifying that the serial number is in a database associated with the server computer.

18 . The method of claim 14 , wherein verifying the test message comprises checking an IP address associated with the computer that sent the test message.

19 . The method of claim 14 , wherein the cryptogram is generated on the user device and is generated using a counter.

20 . The method of claim 14 , wherein the user device is a card.

Continuity (11)

References Cited (400)