Patent ID: 8326759

Claim:
A method comprising: providing during a payment transaction, by a first personal communication device, a request for a dynamic verification value to a server, the request originating from the first personal communication device associated with a user, wherein a server is configured to obtain, from the received request, a phone number or network address of the first personal communication device from which the received request was originated, obtain an account record that contains the obtained phone number or network address, the account record associating one or more consumer accounts with the obtained phone number or network address, select a consumer account from the obtained account record, obtaining a datum indicative of a dynamic verification value for the selected consumer account, and send the obtained datum to at least one of the phone number or the network address; receiving the datum indicative of the dynamic verification value at the first personal communication device or a second personal communication device associated with the phone number of the network address; and generating, by the first personal communication device or the second personal communication device, the dynamic verification value from the datum indicative of the dynamic verification value.