Abstract: 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.

Abstract: 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.

Abstract: One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.

Abstract: Embodiments of the method for authentication can include determining that security of a card has been compromised during a first card transaction. The method may include generating a card verification value. Embodiment of an automated teller machine may write the card verification value to the card during a second card transaction, and the second card transaction occurring after the first card transaction. The financial institution system may detect an attempted fraudulent transaction associated with the card, the fraudulent transaction being attempted by a fraudster who obtained access to information obtained when the security of the card was compromised during the first transaction. The financial institution system may disallow the fraudulent transaction.