Unique token authentication verification value
US12170730B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 6, 2022 |
| Grant date | Dec 17, 2024 |
| Priority date | — |
| Expiry date | Oct 21, 2042 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L9/32
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.