Authenticating based on a hardware identifier
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorsJoanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
Life of this patent
Estimating the term…
Abstract
A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
Claims20
A method comprising:
- receiving, by a computer, a transaction request message having a mobile device hardware identifier and a mobile device secure processing identifier and requesting a transfer of an amount of value;
- validating, by the computer, the mobile device hardware identifier based at least in part on comparing the mobile device hardware identifier with an expected mobile device hardware identifier;
- validating, by the computer, the mobile device secure processing identifier based at least in part on comparing the mobile device secure processing identifier with an expected mobile device secure processing identifier;
- appending, by the computer, transaction account information of a mobile device user to the transaction request message to create an appended transaction request message in response to the mobile device hardware identifier and the mobile device secure processing identifier being validated, the transaction account information indicating a source of funding for the amount of value;
- and
- transmitting, by the computer, the appended transaction request message for authorization.
An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer, cause the computer to perform operations comprising:
- receiving, by the computer, a transaction request message having a mobile device hardware identifier and a mobile device secure processing identifier and requesting a transfer of an amount of value;
- validating, by the computer, the mobile device hardware identifier based at least in part on comparing the mobile device hardware identifier with an expected mobile device hardware identifier;
- validating, by the computer, the mobile device secure processing identifier based at least in part on comparing the mobile device secure processing identifier with an expected mobile device secure processing identifier;
- appending, by the computer, transaction account information of a mobile device user to the transaction request message to create an appended transaction request message in response to the mobile device hardware identifier and the mobile device secure processing identifier being validated, the transaction account information indicating a source of funding for the amount of value;
- and
- transmitting, by the computer, the appended transaction request message for authorization.
A system comprising:
- a processor;
- and
- a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
- receiving, by the processor, a transaction request message having a mobile device hardware identifier and a mobile device secure processing identifier and requesting a transfer of an amount of value;
- validating, by the processor, the mobile device hardware identifier based at least in part on comparing the mobile device hardware identifier with an expected mobile device hardware identifier;
- validating, by the processor, the mobile device secure processing identifier based at least in part on comparing the mobile device secure processing identifier with an expected mobile device secure processing identifier;
- appending, by the processor, transaction account information of a mobile device user to the transaction request message to create an appended transaction request message in response to the mobile device hardware identifier and the mobile device secure processing identifier being validated, the transaction account information indicating a source of funding for the amount of value;
- and
- transmitting, by the processor, the appended transaction request message for authorization.
Dependencies are inferred from the claim text.