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, 2024
Filed:
Apr. 21, 2020
Jpmorgan Chase Bank, N.a., New York, NY (US);
Sridhar Aravamudhan, Middletown, DE (US);
Anishkumar C. Patel, Middletown, DE (US);
Rajeev Kumar Balasubramanian, Newark, DE (US);
Brian P. Dunphe, Oxford, PA (US);
David Christopher Carey, Middletown, DE (US);
Jonathan Rosner, White Plains, NY (US);
Shruti K. Patel, New York, NY (US);
Deepak Joshi, Wayne, PA (US);
JPMORGAN CHASE BANK, N.A., New York, NY (US);
Abstract
An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.