Methods and systems for two-factor authentication using contactless chip cards or devices and mobile devices or dedicated personal readers

US8511547B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Jean-Paul Edmond Rans · Glabais, BE
• Paul Vanneste · Ottignies, BE

Key dates

• Filing date: Dec 22, 2006
• Grant date: Aug 20, 2013
• Expiry date: Dec 16, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F2221/2115
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.