Systems and methods for use in authenticating users in connection with network transactions

US11810107B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Sowmya Reddy Lakka · Chesterfield, US
• Brian Piel · Ballwin, US
• Vincenzo Palomba · London, GB
• Jonathan James Main · Winchester, GB
• David Anthony Roberts · Petworth, GB

Key dates

• Filing date: Aug 2, 2021
• Grant date: Nov 7, 2023
• Expiry date: Aug 25, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/401
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.