Patent ID: 9600808
Date: 2017-03-21
CPC Classifications: G06Q,H04M,H04N

Claim:
1. An authentication method for use in a payment card, said method comprising: verifying, within the payment card, a credential presented to the payment card by a payment card user as being a valid credential for the payment card user; then generating, within the payment card, a temporal signal value; generating, using a processor within the payment card, a message digest based at least in part on a seed value stored within the payment card and the temporal signal value; encoding, using the processor within the payment card, at least a portion of the message digest using an alpha-numeric code to form an alpha-numeric authentication cryptogram; communicating, using an interface device within the payment card, a payment card identifying number stored within the payment card to a payment processing system; and communicating, using the interface device within the payment card, the alpha-numeric authentication cryptogram in a payment card account name field to the payment processing system instead of communicating a payment account name in said payment card account name field.