Method and device for generating a single-use financial account number,申请号US20060338152-传众专利搜索

Method and device for generating a single-use financial account number

申请公布号：US2006122931(A1)

申请号：US20060338152

申请日期：2006.01.24

申请公布日期：2006.06.08

申请人：

WALKER JAY S;SCHNEIER BRUCE;JINDAL SANJAY K;TEDESCO DANIEL E

发明人：WALKER JAY S.;SCHNEIER BRUCE;JINDAL SANJAY K.;TEDESCO DANIEL E.

分类号：G06Q40/00;G06Q20/00

主分类号：G06Q40/00

摘要：A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.