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1. WO2012009248 - METHODS AND SYSTEMS FOR AUTHENTICATING AN IDENTITY OF A PAYER IN A FINANCIAL TRANSACTION

Publication Number WO/2012/009248
Publication Date 19.01.2012
International Application No. PCT/US2011/043500
International Filing Date 11.07.2011
IPC
G06Q 20/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/385
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
385using an alias or single-use codes
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4014Identity check for transactions
G06Q 20/425
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
425using two different networks, one for transaction and one for security confirmation
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US] (AllExceptUS)
  • TELLE, Todd N. [US]/[US] (UsOnly)
  • MOSKOWITZ, Sue Ellen [US]/[US] (UsOnly)
Inventors
  • TELLE, Todd N.
  • MOSKOWITZ, Sue Ellen
Agents
  • FITZGERALD, Daniel M.
Priority Data
12/834,63712.07.2010US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) METHODS AND SYSTEMS FOR AUTHENTICATING AN IDENTITY OF A PAYER IN A FINANCIAL TRANSACTION
(FR) PROCÉDÉS ET SYSTÈMES D'AUTHENTIFICATION DE L'IDENTITÉ D'UN PAYEUR DANS UNE TRANSACTION FINANCIÈRE
Abstract
(EN) A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first communication medium. A one-time password is generated at an interchange computer system and transmitted to the cardholder via a second communication medium. The cardholder is prompted to enter access credential information, including the one-time password. When the entered access credential information is verified (e.g., the entered one time password is equal to the generated one-time password), a successful authentication is indicated to the merchant.
(FR) L'invention porte sur un système et un procédé mis en œuvre par ordinateur pour l'utilisation d'un mot de passe à usage unique (OTP) pour authentifier l'identité d'un titulaire de carte dans une transaction financière initiée par le titulaire de carte avec un commerçant par l'intermédiaire d'un premier support de communication. Un mot de passe à usage unique est généré au niveau d'un système informatique d'échange et transmis au titulaire de carte par l'intermédiaire d'un second support de communication. Le titulaire de carte est invité à entrer des informations de justificatif d'identité d'accès comprenant le mot de passe à usage unique. Lorsque les informations de justificatif d'identité d'accès entrées sont vérifiées (par exemple, le mot de passe à usage unique entré est identique au mot de passe à usage unique généré), une authentification réussie est indiquée au commerçant.
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