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US 11,232,455 B2Granted
System and method including customized linkage rules in payment transactions
AssigneeVisa International Service Association
InventorAyman Hammad
Life of this patent
Estimating the term…
Abstract
Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. A user of a portable consumer device enrolls the account identifier associated with the portable consumer device and specifies one or more customized linkage rules that identify one or more user communication devices and user identifiers that should be used to submit an authentication request message to an entity that generates a dynamic verification value. A server computer that receives an authentication request message determines whether the authentication request message complies with the specified customized linkage rules and generates a dynamic verification value.
Claims20
A method comprising:
- receiving, by a computer, an authentication request message for a payment transaction on a payment account, the authentication request message received from a user communication device, the authentication request message comprising (1) a verification token identifier that identifies a verification token device, (2) a user communication device identifier that identifies the user communication device, and (3) an account identifier that identifies the payment account for conducting the payment transaction, the computer storing a linkage rule linking (1) the verification token device, (2) the user communication device, and (3) the payment account;
- identifying, by the computer the linkage rule based on the account identifier included in the authentication request message;
- authenticating, by the computer, the payment transaction using the identified linkage rule by verifying that the verification token identifier that identifies the verification token device and the user communication device identifier that identifies the user communication device;
- in response to the authenticating of the payment transaction using the identified linkage rule, generating, by the computer, a dynamic value based at least in part on the account identifier;
- providing, by the computer, the dynamic value to either (1) the verification token device used to conduct the payment transaction or (2) the user communication device used to conduct the payment transaction, wherein either the verification token device or the user communication device provides the dynamic value to a merchant computer to conduct the payment transaction on the payment account;
- and
- receiving, by the computer, an authorization request message from the merchant computer, the authorization request message comprising the dynamic value;
- and
- sending, by the computer, an authorization response message indicating whether the payment transaction is approved or declined to the merchant computer based on verification of the dynamic value.
6 more elements
A system comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising receiving an authentication request message for a payment transaction on a payment account, the authentication request message received from a user communication device, the authentication request message comprising (1) a verification token identifier that identifies a verification token device, (2) a user communication device identifier that identifies the user communication device, and (3) an account identifier that identifies the payment account for conducting the payment transaction, the system storing a linkage rule linking (1) the verification token device, (2) the user communication device, and (3) the payment account;
- identifying the linkage rule based on the account identifier included in the authentication request message;
- authenticating the payment transaction using the identified linkage rule by verifying that the verification token identifier that identifies the verification token device and the user communication device identifier that identifies the user communication device;
- in response to the authenticating of the payment transaction using the identified linkage rule, generating a dynamic value based at least in part on the account identifier;
- providing the dynamic value to either (1) the verification token device used to conduct the payment transaction or (2) the user communication device used to conduct the payment transaction, wherein either the verification token device or the user communication device provides the dynamic value to a merchant computer to conduct the payment transaction on the payment account;
- and
- receiving an authorization request message from the merchant computer, the authorization request message comprising the dynamic value;
- and
- sending an authorization response message indicating whether the payment transaction is approved or declined to the merchant computer based on verification of the dynamic value.
8 more elements
Dependencies are inferred from the claim text.