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:
Jul. 22, 2025
Filed:
Oct. 21, 2021
Idemia France, Courbevoie, FR;
Lukasz Swiatek, Courbevoie, FR;
IDEMIA FRANCE, Courbevoie, FR;
Abstract
A cardholder enters () payment information and a freely-selected transaction CVV in a merchant system (). A payment system () receives () a request from the merchant system including the transaction CVV and transaction information, and sends () a transaction authorization request to a cardholder device (). The transaction information are displayed () on the cardholder device and invites the cardholder to enter the transaction CVV for confirmation purpose. In response, the cardholder enters () a confirmation CVV. The payment system approves () the transaction when the transaction and confirmation CVVs are the same. As a result, the CVV can have a short life and be changed at each transaction, thereby increasing the security of the transactions. Also, PCI certification constraints on servers are reduced since no issuer master key is required for the CVVs. Lastly, the cardholder has more control on the transaction validation.