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1. WO2012142045 - MULTIPLE TOKENIZATION FOR AUTHENTICATION

Publication Number WO/2012/142045
Publication Date 18.10.2012
International Application No. PCT/US2012/032931
International Filing Date 10.04.2012
IPC
G06Q 20/40 2012.01
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
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 of credit lines or negative lists
CPC
G06F 9/30196
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
9Arrangements for program control, e.g. control units
06using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
30Arrangements for executing machine instructions, e.g. instruction decode
30181Instruction operation extension or modification
30196using decoder, e.g. decoder per instruction set, adaptable or programmable decoders
G06F 9/3822
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
9Arrangements for program control, e.g. control units
06using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
30Arrangements for executing machine instructions, e.g. instruction decode
38Concurrent instruction execution, e.g. pipeline, look ahead
3818Decoding for concurrent execution
3822Parallel decoding, e.g. parallel decode units
G06Q 20/12
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
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/3674
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
30characterised by the use of specific devices ; or networks
36using electronic wallets or electronic money safes
367involving electronic purses or money safes
3674involving authentication
G06Q 20/382
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
382insuring higher security of transaction
G06Q 20/3823
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
382insuring higher security of transaction
3823combining multiple encryption tools for a transaction
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US] (AllExceptUS)
  • HAMMAD, Ayman [US]/[US] (UsOnly)
Inventors
  • HAMMAD, Ayman
Agents
  • JEWIK, Patrick R.
Priority Data
61/474,08411.04.2011US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) MULTIPLE TOKENIZATION FOR AUTHENTICATION
(FR) SEGMENTATIONS EN UNITÉS MULTIPLES POUR AUTHENTIFICATION
Abstract
(EN)
Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using double tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
(FR)
Conformément à des modes de réalisation, la présente invention concerne, de manière générale, des systèmes, des procédés et des appareils qui permettent d'authentifier un titulaire de carte à l'aide d'une double authentification de segmentation en unités. Des modes de réalisation de l'invention concernent un procédé. Le procédé consiste à recevoir, au niveau d'une première entité, un premier mot à partir d'un client et à déterminer un second mot associé au premier mot. Une fois que le second mot est déterminé, le second mot est envoyé à un ordinateur de serveur au niveau d'une seconde entité. L'ordinateur de serveur détermine ensuite un identificateur de compte associé au second mot et traite une transaction à l'aide de l'identificateur de compte.
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