公开(公告)号：US11170614B1

公开(公告)日：2021-11-09

申请号：US16877151

申请日：2020-05-18

申请人： Wells Fargo Bank, N.A.

发明人： Michael Thomas ,  Jesse Lee ,  Steve Puffer ,  Jerome Rhodes

IPC分类号： G07F19/00

摘要： A method for authenticating a transaction includes replacing a first security value of a transaction device with a second security value; receiving, during a first transaction, the second security value; authenticating the first transaction based at least in part on the second security value; determining that a predetermined number of transactions have occurred during which the second verification value was not rewritten since the second security value was replaced; responsive to determining that the predetermined number of transactions have occurred, replacing the second security value on the transaction device with a third security value; receiving, during a second transaction, the third security value; and authenticating the second transaction based at least in part on the third security value.

公开(公告)号：US09905085B1

公开(公告)日：2018-02-27

申请号：US14546351

申请日：2014-11-18

申请人： Wells Fargo Bank, N.A.

发明人： Michael Thomas ,  Jesse Lee ,  Steve Puffer ,  Jerome Rhodes

IPC分类号： G07F19/00

CPC分类号： G07F19/209 ,  G06Q20/341 ,  G06Q20/4016

摘要： Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.

公开(公告)号：US10657774B1

公开(公告)日：2020-05-19

申请号：US15904832

申请日：2018-02-26

申请人： Wells Fargo Bank, N.A.

发明人： Michael Thomas ,  Jesse Lee ,  Steve Puffer ,  Jerome Rhodes

IPC分类号： G07F19/00

摘要： Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.