Tokenization capable authentication framework
US10552834B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 30, 2015 |
| Grant date | Feb 4, 2020 |
| Priority date | — |
| Expiry date | May 24, 2038 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2463/102
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Embodiments are directed to systems and methods for performing consumer authentication in a tokenized transaction. The token in the authentication request may be resolved to corresponding credentials before the consumer authentication process is initiated. As part of an authentication system, the merchant computer may include a merchant plug-in module as a proxy between the merchant computer and an issuer access control server. The merchant plug-in module may communicate with the issuer access control server by sending verification and authentication messages to the issuer access control server via a directory server. The token may be resolved to corresponding credentials before the authentication request reaches the issuer access computer for authentication. The merchant plug-in module, the directory server or a token router coupled to the issuer access control server may each be in communication with one or more token service providers to de-tokenize the token provided by the consumer's user device.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.