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1. (WO2018013961) AUTHENTICATION TO AUTHORIZATION BRIDGE USING ENRICHED MESSAGES

Pub. No.:    WO/2018/013961    International Application No.:    PCT/US2017/042197
Publication Date: Fri Jan 19 00:59:59 CET 2018 International Filing Date: Sat Jul 15 01:59:59 CEST 2017
IPC: H04L 9/32
Applicants: CARDINALCOMMERCE CORPORATION
Inventors: ENRIGHT, Erik, Nils
RATICA, Adam
KERESMAN, Michael, A., III
SHERWIN, Francis, M.
BALASUBRAMANIAN, Chandra, S.
Title: AUTHENTICATION TO AUTHORIZATION BRIDGE USING ENRICHED MESSAGES
Abstract:
A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAW) or an Accountholder Authentication Value (AAV).