The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 16, 2019
Filed:
Dec. 03, 2013
Ca, Inc., Islandia, NY (US);
Rajendra Arcot Gopalakrishna, Bangalore, IN;
Geoffrey Hird, Cupertino, CA (US);
CA, Inc., Austin, TX (US);
Abstract
Methods for securing financial transactions using dynamic PINs without requiring updates to existing banking cards or existing infrastructure at acquiring institutions. The use of a dynamic PIN may be selectively enabled for a subset of banking cards or for a particular banking card when circumstances require use of the dynamic PIN. A dynamic PIN may be required for performing a financial transaction, such as making an online purchase, if an account associated with a banking card has a particular credit limit greater than a threshold or if a suspicious transaction history has been detected (e.g., large out-of-state purchases have recently been made). A dynamic PIN may be required based on a time of day or location associated with the financial transaction (e.g., if the financial transaction is being initiated within a particular foreign country).