Patent application number | Description | Published |
20090030845 | SYSTEM AND METHOD FOR ACCOUNT IDENTIFIER OBFUSCATION - A method is disclosed. The method includes generating an obfuscated portion using a dynamic cryptogram unique to a transaction, where the dynamic cryptogram is determined using a uniquely derived key. The method also includes replacing a middle portion of the account identifier with the obfuscated portion to form an obfuscated account identifier. | 01-29-2009 |
20100180326 | SECURE REMOTE AUTHENTICATION THROUGH AN UNTRUSTED NETWORK - A method for securely authenticating a user of a consumer device at an access device comprising the following steps. First, a dynamic data element and a first set of transactional information is sent to the consumer device from the access device. Next, the consumer device creates an authentication code as a function of at least the dynamic data element, a subset of the first set of transactional information, and a password. The authentication code, along with other data, is then sent from the consumer device back to the access device. The access device then uses the authentication code to send an authentication request message to the service provider of the user. The service provider then attempts to authenticate the user by recreating the authentication code and comparing the recreated authentication code with the authentication code received from the access device. | 07-15-2010 |
20100180327 | SECURE REMOTE AUTHENTICATION THROUGH AN UNTRUSTED NETWORK - A method for securely authenticating a user of a portable consumer device at an access device comprising the following steps. First, a dynamic data element and a first set of transactional information is sent to the portable consumer device from the access device. Next, the portable consumer device creates an authentication code as a function of at least the dynamic data element, a subset of the first set of transactional information, and a password. The authentication code, along with other data, is then sent from the portable consumer device back to the access device. The access device then uses the authentication code to send an authentication request message to the service provider of the user. The service provider then attempts to authenticate the user by recreating the authentication code and comparing the recreated authentication code with the authentication code received from the access device. | 07-15-2010 |
20110087593 | TRACK DATA MAPPING SYSTEM FOR PROCESSING OF PAYMENT TRANSACTION DATA - Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track | 04-14-2011 |
20110173684 | ANYTIME VALIDATION FOR VERIFICATION TOKENS - Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate. | 07-14-2011 |
20110218880 | SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION - Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant. | 09-08-2011 |
20130191285 | TRACK DATA MAPPING SYSTEM FOR PROCESSING OF PAYMENT TRANSACTION DATA - Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track 1) to a payment processing network. The payment processing network may determine the issuer to which the data will be provided as part of a process for authorizing the payment transaction. It is determined if the issuer is one that is expecting or requires that the data be provided in a second format (e.g., Track 2). If the issuer is one that is expecting or requires that the transaction data be supplied in the second format, then it is determined if the issuer is enrolled in the appropriate data mapping service. If the issuer is enrolled in the data mapping service, then the inventive system performs the data mapping processes needed to provide the data in the second format to the issuer. The issuer may then use the received data to determine whether to authorize the payment transaction. | 07-25-2013 |
20130197946 | MULTI PURPOSE DEVICE - Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate. The payment certificate includes payment attributes regarding the user, such as a payment account. | 08-01-2013 |
20130226814 | MEDIA DEVICE PAYMENTS REMOTE CONTROL PERSONALIZATION AND PROTECTION - A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID. | 08-29-2013 |
20140019364 | ANYTIME VALIDATION TOKENS - Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate. | 01-16-2014 |
20140180930 | MEDIA DEVICE PAYMENTS REMOTE CONTROL PERSONALIZATION AND PROTECTION - A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID. | 06-26-2014 |
20140207684 | METHOD AND SYSTEM FOR PAYMENT AUTHORIZATION AND CARD PRESENTATION USING PRE-ISSUED IDENTITIES - Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party. | 07-24-2014 |
Patent application number | Description | Published |
20090144197 | MEDIA DEVICE PAYMENTS REMOTE CONTROL PERSONALIZATION AND PROTECTION - A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID. | 06-04-2009 |
20090144202 | MODULE ID BASED ENCRYPTION FOR FINANCIAL TRANSACTIONS - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 06-04-2009 |
20090144203 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 06-04-2009 |
20090144204 | MODULE ID BASED TARGETED MARKETING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 06-04-2009 |
20090144205 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 06-04-2009 |
20110238578 | MODULE ID BASED ENCRYPTION FOR FINANCIAL TRANSACTIONS - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 09-29-2011 |