公开(公告)号：US20170200165A1

公开(公告)日：2017-07-13

申请号：US15471711

申请日：2017-03-28

申请人： Prasanna LAXMINARAYANAN ,  Phillip KUMNICK ,  Madhu VASU

发明人： Prasanna LAXMINARAYANAN ,  Phillip KUMNICK ,  Madhu VASU

IPC分类号： G06Q20/40 ,  G06Q20/38

摘要： A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

公开(公告)号：US20170163617A1

公开(公告)日：2017-06-08

申请号：US15368353

申请日：2016-12-02

申请人： Prasanna LAXMINARAYANAN ,  Phillip KUMNICK ,  Madhu VASU

发明人： Prasanna LAXMINARAYANAN ,  Phillip KUMNICK ,  Madhu VASU

IPC分类号： H04L29/06 ,  G07C9/00

摘要： A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.