公开(公告)号：US10572873B2

公开(公告)日：2020-02-25

申请号：US13769059

申请日：2013-02-15

Applicant: MasterCard International Incorporated

Inventor： Colin Tanner ,  David Anthony Roberts ,  Susan Thompson ,  Clive Leader

IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/32

Abstract: A method for verifying the source of an authorization request includes: storing an integrated circuit card (ICC) master key; receiving an authorization request for a transaction, wherein the request includes an ICC dynamic number, and the ICC dynamic number is extracted from signed data, based on the ICC master key, generated by a payment card during combined data authentication (CDA); verifying the authenticity of the ICC dynamic number using the stored ICC master key; and transmitting the authorization request to a third party. A method for transmitting an authentic authorization request includes: storing payment card data, the data including an ICC master key associated with the payment card; authenticating the card data using CDA to generate signed data; extracting, from the signed data, an ICC dynamic number based on the ICC master key; and transmitting an authorization request for a transaction, the request including the extracted ICC dynamic number.