ALEXANDRIA, Va., July 23 -- United States Patent no. 12,367,495, issued on July 22, was assigned to IDEMIA FRANCE (Courbevoie, France).
"Card-not-present transactions with cardholder-chosen CVV" was invented by Lukasz Swiatek (Courbevoie, France).
According to the abstract* released by the U.S. Patent & Trademark Office: "A cardholder enters (305) payment information and a freely-selected transaction CVV in a merchant system (20). A payment system (30) receives (400) a request from the merchant system including the transaction CVV and transaction information, and sends (405) a transaction authorization request to a cardholder device (13). The transaction information are displayed (310) on the cardholder device and invites the cardholder t...