Visa International Service Association

Sayeed Mohammed

Ramesh Shankar

Anjana Surin

David William Wilson

Alan Johnson

Gavin Shenker

Diane C Salmon

Joseph Bjorn Ovick

Eduardo Lopez

Brian Sullivan

Nancy L Kim

Ansar Ansari

Phillip Lavender

Richard S Nassar

Clyde Valdez

Sheldon Banow

Jonathan Hill

Glenn Leon Powell

Mark Allen Nelsen

Jalpesh Chitalia

Guido Mangiagalli

Neil Hilton

Andrew Whitcombe

David Petch

Christian Aabye

Christian Flurscheim

Sanjeev Sharma

Arvind Santhanaraman

Laszlo Spoor

Manjush Menon

Christoffel Jacobs

Katharina Fuhrmann

Stephanie Zachariae

Mark Cline

Rahmat Adnan

Mohammed Chakib Bouda

Fouad Rabhi

An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.

Secure authentication system with token service

Embodiments of the invention are directed to systems and methods for authenticating a user device using an authenticating device that has previously been associated with a user and/or a credential. The user may initiate a transaction at the user device. An authenticating device associated with the transaction may be sent an authentication request corresponding to the user device. The user may indicate whether or not the user device is authenticated utilizing the authenticating device. If the user device is authenticated, the transaction may proceed. If the user device is not authenticated the transaction may be rejected.

System and method utilizing chain of trust

A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value. The method also includes providing a token data response message including a verification value to the token requestor, receiving an authorization request message comprising the token, the verification value, and one or more data elements in a plurality of data fields, determining the permanent resource provider identifier using the one or more data elements in the plurality of data fields, and determining that the verification value in the authorization request message matches the verification value that was provided to the token requestor.

Validations using verification values

An authentication request message from a user conducting an interaction at a resource provider computer is received. It is determined that data representing an indication that the resource provider is trusted by the user and including a trusted marker is present in a database. Authentication to the user is provided, and information indicating that the user has been authenticated and the trusted marker are sent so that authorization request message for the interaction that includes the trusted marker is generated. The trusted marker is validated, and the authorization request message including information related to the interaction and the validated trusted marker is sent to an authorizing entity computer.

Efficient and secure authentication system

A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.

Method and system for token gateway

Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

Token state synchronization

A method and system for provisioning credentials is disclosed. The method includes receiving, by a token provider computer, a token request message from a token requestor computer that comprises an initial access identifier. The token provider computer transmits the initial access identifier to a first authorization computer, and then the token provider computer receives an intermediate access identifier. The token provider computer then transmits a token activation request message to a second authorization computer based at least in part on the intermediate access identifier. The token provider computer then receives a token activation response message from the second authorization computer. The token provider computer then provides the token to the token requestor computer.

Method and system for token provisioning and processing

A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value, and domain controls. The method also includes providing a token data response message including a verification value to the token requestor, receiving an authorization request message comprising the token, the verification value, and one or more data elements in a plurality of data fields, determining the permanent resource provider identifier using the one or more data elements in the plurality of data fields, and determining that the verification value in the authorization request message matches the verification value that was provided to the token requestor, and that a transaction satisfies the domain controls.

Domain validations using verification values

A method is disclosed. The method includes receiving, by a token service computer, a token request message, the token request message being originated from a token requestor computer. The method also includes determining, by the token service computer, two or more access tokens based upon a single credential, and then transmitting the two or more access tokens to the token requestor computer in a token response message.

Cloud token provisioning of multiple tokens

Techniques are described for managing master keys for token requestors to use in generating cryptograms such as TAVVs. A processor computer generates a first master key for a token requestor, the first master key being generated based on (a) a second master key managed by the processor computer and (b) an identifier of the token requestor. The processor computer transmits, to a token requestor computer corresponding to the token requestor, the first master key. The processor computer receives, from the token requestor computer, a request for a token. Responsive to receiving the request for the token, the processor computer transmits the token to the token requestor computer; and receives, from the token requestor computer, an authorization request message comprising the token and a cryptogram generated by the token requestor computer using the first master key and the token.

Token keys to generate cryptograms for token interactions

A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.

Growing community of inventors

Foster City, CA, United States of America

Sayeed Mohammed