Product authentication over a payment network
AssigneeMastercard International Incorporated
InventorJustin X. Howe
Life of this patent
Estimating the term…
Abstract
Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. The product identifier can be verified at a verification entity to determine whether the product is real or counterfeit. Authorization or settlement of the payment transaction can be approved/processed if the product is determined to be real. Authorization or settlement of the payment transaction can be declined/withheld if the product is determined to be counterfeit.
Claims7
A method for product authentication over a payment network, the method comprising:
- obtaining, by a computing apparatus of a payment network, a payment transaction authorization request for a product to be purchased sent from one of a mobile device payment application or a merchant point-of-sale (POS) terminal via a payment network, wherein payment transaction authorization request comprises payment transaction information;
- parsing, by the computing apparatus of the payment network, the payment transaction information of the payment transaction authorization request to obtain a product identifier associated with the product to be purchased;
- establishing, by the computing apparatus of the payment network, a connection between the payment network and a data repository located on a computing apparatus of a third-party network by using an application programming interface (API) of the computing apparatus of the payment network to access the computing apparatus third-party network;
- authenticating, by the computing apparatus of the payment network, the product identified by the product identifier by comparing the product identifier to one or more valid product identifiers stored in the data repository;
- obtaining, by the computing apparatus of the payment network, an authentication response message in response to locating the product identifier in the data repository;
- and
- transmitting, by the computing apparatus of the payment network, an authorization response message approving payment transaction for the product to be purchased to the merchant (POS) terminal.
Dependencies are inferred from the claim text.