Processing

Please wait...

Settings

Settings

Goto Application

1. WO2022115098 - SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR AUTHENTICATING DEVICES

Publication Number WO/2022/115098
Publication Date 02.06.2022
International Application No. PCT/US2020/061922
International Filing Date 24.11.2020
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 20/027
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
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
027involving a payment switch or gateway
G06Q 20/401
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
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US]
Inventors
  • LEDDY, William, Joseph, III
Agents
  • PREPELKA, Nathan, J.
  • EHRET, Christian, D.
  • CZAJKOWSKI, Steven, D.
  • PASSODELIS, William, C., Jr.
Priority Data
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR AUTHENTICATING DEVICES
(FR) SYSTÈMES, PROCÉDÉS ET PRODUITS-PROGRAMMES INFORMATIQUES D'AUTHENTIFICATION DE DISPOSITIFS
Abstract
(EN) Disclosed are systems and methods for authenticating devices. The method includes generating a virtual authenticator comprising at least one authentication input, at least one account identifier associated with at least one payment account, and at least one device identifier of at least one client device, the virtual authenticator associated with a virtual authenticator identifier, receiving a transaction request message associated with a transaction between a user and a merchant made using an authentication input of the at least one authentication input and a client device of the at least one client device, the transaction request message comprising an account identifier associated with a payment account, linking the account identifier to the virtual authenticator, communicating an authorization request message to the issuer system, the authorization request message comprising the virtual authenticator identifier, receiving an authorization response message, and updating the virtual authenticator based on the authorization response message.
(FR) Des systèmes et des procédés d'authentification de dispositifs sont divulgués. Le procédé consiste à générer un authentificateur virtuel comprenant au moins une entrée d'authentification, au moins un identifiant de compte associé à au moins un compte de paiement, et au moins un identifiant de dispositif d'au moins un dispositif client, l'authentificateur virtuel étant associé à un identifiant d'authentificateur virtuel, à recevoir un message de demande de transaction associé à une transaction entre un utilisateur et un commerçant réalisé à l'aide d'une entrée d'authentification de la ou des entrées d'authentification et d'un dispositif client du ou des dispositifs clients, le message de demande de transaction comprenant un identifiant de compte associé à un compte de paiement, à associer l'identifiant de compte à l'authentificateur virtuel, à communiquer un message de demande d'autorisation au système émetteur, le message de demande d'autorisation comprenant l'identifiant d'authentificateur virtuel, à recevoir un message de réponse d'autorisation, et à mettre à jour l'authentificateur virtuel sur la base du message de réponse d'autorisation.
Latest bibliographic data on file with the International Bureau