Authentication arrangement and method for use with financial transaction

US8909557B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Mehdi Collinge · Mont-Sainte-Aldegonde, BE
• Jean-Paul Edmond Rans · Glabais, BE
• Paul Vanneste · Ottignies, BE
• John Beric · London, GB
• Dave Roberts · Saratoga, US
• Thomas H. Tan · San Jose, US
• Fikret Ates · Namur, BE
• Jonathan Grossar · Brussels, BE

Key dates

• Filing date: Sep 9, 2009
• Grant date: Dec 9, 2014
• Expiry date: Mar 19, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1025
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for generating an authentication token which is used by an issuer associated with a integrated circuit card to authenticate a transaction. A personal card reader receives data, including an authentication cryptogram, from the integrated circuit card. The personal card reader uses the data received from the integrated circuit card to select one of at least two default bitmaps stored in a memory portion of the personal card reader. The personal card reader uses the selected default bitmap and the authentication cryptogram to build the authentication token.