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US 12,749,078 B2Granted
System to prevent frauds and authenticate users for third party applications while token processing
AssigneeVisa International Service Association
InventorWilson Thampi
Life of this patent
Estimating the term…
Abstract
Systems and methods of preventing fraud and authenticating users while processing a token on a token provider computer, a token gateway computer, and a mobile device are disclosed.
Claims9
A method of preventing fraud and authenticating users while processing a token from a third-party banking application on a token provider server computer, the method comprising:
- receiving, by the token provider server computer, a request for the token from the third-party banking application, the request for the token comprising a personal account number (PAN) information associated with the third-party banking application, a mobile device number, a mobile device identification, a card validity information, and a card postal code, wherein the card validity information is related to a card associated with the third-party banking application;
- enrolling, by the token provider server computer, the PAN information, the mobile device number, the mobile device identification, the card validity information, and the card postal code;
- sharing, by the token provider server computer, the PAN information, the mobile device number, the mobile device identification, the card validity information, and the card postal code with the token gateway server computer, wherein the token gateway server computer validates the PAN information, the card validity information, and the card postal code;
- receiving, by the token provider server computer, a pending state token from the token gateway server computer upon completion of validation of the PAN information, the card validity information, and the card postal code;
- transmitting, by the token provider server computer, the pending state token to the third-party banking application running on a mobile device to associate the pending state token with the mobile device;
- receiving, by the token provider server computer, a token validation request from the third-party banking application, the token validation request comprising a push one time password (OTP) value;
- transmitting, by the token provider server computer, the push OTP to the token gateway server computer, wherein the token gateway server computer validates the push OTP;
- receiving, by the token provider server computer, a token validated state message from the token gateway server computer;
- and
- sending, by the token provider server computer, the token validated state message to the mobile device.
7 more elements
Dependencies are inferred from the claim text.