The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 12, 2019
Filed:
Jul. 25, 2016
Ca, Inc., New York, NY (US);
Mohammed Mujeeb Kaladgi, Bangalore, IN;
Jameel Ahmed Kaladgi, Bangalore, IN;
Mohammad Faiz Usmani, Reading, GB;
Ruqiya Nikhat Kaladgi, Bangalore, IN;
Junaid Ahmed Jameel, Bangalore, IN;
CA, Inc., New York, NY (US);
Abstract
Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.