Authentication to authorization bridge using enriched messages

US11195173B2 · kind B2 · utility

Assignee

• CardinalCommerce Corporation · US

Inventors

• Erik Nils Enright · Willoughby Hills, US
• Adam Ratica · Mentor, US
• Michael A. Keresman, III · Kirtland Hills, US
• Francis M. Sherwin · Mentor, US
• Chandra S. Balasubramanian · University Heights, US

Key dates

• Filing date: Jul 14, 2017
• Grant date: Dec 7, 2021
• Expiry date: Aug 23, 2039

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/56
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).