公开(公告)号：US20190108515A1

公开(公告)日：2019-04-11

申请号：US15725893

申请日：2017-10-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

IPC: G06Q20/38 ,  G06Q20/40

Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

公开(公告)号：US20240112182A1

公开(公告)日：2024-04-04

申请号：US18387440

申请日：2023-11-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

IPC: G06Q20/38 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/40

CPC classification number: G06Q20/385 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/38215 ,  G06Q20/401

Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

公开(公告)号：US11080697B2

公开(公告)日：2021-08-03

申请号：US15725893

申请日：2017-10-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/12 ,  G06Q20/04

Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

公开(公告)号：US11810107B2

公开(公告)日：2023-11-07

申请号：US17391667

申请日：2021-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/12 ,  G06Q20/04

CPC classification number: G06Q20/385 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/38215 ,  G06Q20/401

Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

公开(公告)号：US20210357922A1

公开(公告)日：2021-11-18

申请号：US17391667

申请日：2021-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.