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.

Date of Patent:
Aug. 09, 2022

Filed:

Feb. 22, 2019
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventor:

Oleg Makhotin, Paris, FR;

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06F 21/34 (2013.01); G06Q 20/12 (2012.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/385 (2013.01); G06F 21/34 (2013.01); G06Q 20/12 (2013.01); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); H04L 9/3213 (2013.01); H04L 2209/56 (2013.01);
Abstract

A method and a server computer are provided for authenticating a cardholder account. The server computer implements the method, which includes obtaining a first identifier and a cryptogram from a first entity, identifying an issuer associated with the cardholder account, forwarding the first account identifier and the cryptogram to a second entity for validation, receiving a second identifier from the second entity, and sending the second identifier to the first entity. The first identifier can be associated with the cardholder account. The second identifier can be generated by the second entity and associated with a validated form of the first identifier.


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