Method and system for the transmission of authenticated authorization requests
US10572873B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 15, 2013 |
| Grant date | Feb 25, 2020 |
| Priority date | — |
| Expiry date | Jul 18, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3829
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method for verifying the source of an authorization request includes: storing an integrated circuit card (ICC) master key; receiving an authorization request for a transaction, wherein the request includes an ICC dynamic number, and the ICC dynamic number is extracted from signed data, based on the ICC master key, generated by a payment card during combined data authentication (CDA); verifying the authenticity of the ICC dynamic number using the stored ICC master key; and transmitting the authorization request to a third party. A method for transmitting an authentic authorization request includes: storing payment card data, the data including an ICC master key associated with the payment card; authenticating the card data using CDA to generate signed data; extracting, from the signed data, an ICC dynamic number based on the ICC master key; and transmitting an authorization request for a transaction, the request including the extracted ICC dynamic number.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.