Token based transaction authentication
AssigneeVisa International Service Association
InventorsMike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
Life of this patent
Estimating the term…
Abstract
A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.
Claims21
-20. (canceled)
A method comprising:
- receiving, by a server computer, a consumer payment nickname from a computer;
- generating, by the server computer, a payment reference identifier;
- and
- sending, by the server computer, the payment reference identifier to the computer.
A server computer comprising:
- a processor:
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising
- receiving, by the server computer, a consumer payment nickname from a computer,
- generating, by the server computer, a payment reference identifier, and
- sending, by the server computer, the payment reference identifier to the computer.
A method comprising:
- sending, by a sending entity computer, a consumer payment nickname to a merchant computer, wherein the merchant computer thereafter forwards a merchant key and a payment reference identifier to a payment processing network, and wherein the payment processing network forwards an initiate authentication request to an issuer and receives an initiate authentication response and an issuer key from the issuer;
- and
- receiving, by the sending entity computer, an authentication address;
- and
- sending, by the sending entity computer, a passcode to the authentication address.
A sending entity computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising
- sending, by the sending entity computer, a consumer payment nickname to a merchant computer, wherein the merchant computer thereafter forwards a merchant key and a payment reference identifier to a payment processing network, and wherein the payment processing network forwards an initiate authentication request to an issuer and receives an initiate authentication response and an issuer key from the issuer,
- receiving, by the sending entity computer, an authentication address, and
- sending, by the sending entity computer, a passcode to the authentication address.
Dependencies are inferred from the claim text.