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    • 9. 发明申请
    • CARDS, DEVICES, SYSTEMS, METHODS AND DYNAMIC SECURITY CODES
    • 卡,设备,系统,方法和动态安全码
    • WO2017196349A1
    • 2017-11-16
    • PCT/US2016/032147
    • 2016-05-12
    • DYNAMICS INC.MULLEN, Jeffrey, D.BEAVER, Jonathan, L.
    • MULLEN, Jeffrey, D.BEAVER, Jonathan, L.
    • G06Q20/00
    • A dynamic security code may be communicated to a verification entity by a payment device during a transaction. The verification entity may determine the validity of the dynamic security code. The determination may include comparing the dynamic security code to an expected value. In a case where the expected value is not received the dynamic security code may be compared to a valid dynamic code range. The range may include codes that immediately precede and succeed the expected code in order of expected receipt. A number of preceding codes may be different than a number of succeeding codes in the valid dynamic code range based on factors. A width of the valid dynamic code range may vary based on the factors. The factors may be based on, for example, transactional data, a transaction history, a transaction risk level, a trust relationship and/or a type of the transaction.
    • 动态安全码可以在交易期间由支付设备传送给验证实体。 验证实体可以确定动态安全码的有效性。 该确定可以包括将动态安全码与期望值进行比较。 在没有收到期望值的情况下,可以将动态安全码与有效的动态代码范围进行比较。 范围可以包括紧接在期望的收据顺序之前并且继续期望的代码的代码。 许多先前的代码可能与有效动态代码范围中基于因素的后续代码的数量不同。 有效的动态代码范围的宽度可能因各种因素而异。 这些因素可以基于例如交易数据,交易历史,交易风险等级,信任关系和/或交易类型。