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:
Sep. 21, 2010
Filed:
Jun. 10, 2004
Arthur D. Kranzley, Pound Ridge, NY (US);
Stephen W. Orfei, Katonah, NY (US);
Bruce J. Rutherford, Stamford, CT (US);
Mark Wiseman, Chesterfield, MO (US);
Arthur D. Kranzley, Pound Ridge, NY (US);
Stephen W. Orfei, Katonah, NY (US);
Bruce J. Rutherford, Stamford, CT (US);
Mark Wiseman, Chesterfield, MO (US);
Mastercard International Incorporated, Purchase, NY (US);
Abstract
A formatted data structure is provided for conveying the results of ecommerce authentication programs that are used to authenticate a cardholder's on-line transactions. The data structure, which has at most a 20-byte length, is designed to be compatible with 3-D Secure message protocols used in e-commerce. The data structure includes designated fields that include a hash of the merchant's name, identify an authentication service provider, identify the authentication method used, and include a merchant authentication code which ties cardholder information to the transaction. Secure payment algorithms are provided for use by the e-commerce authentication programs to generate authentication results in the desired format. In one secure payment algorithm, a secret key is used to encrypt a concatenation of a cardholder account number with information from designated fields of the data structure. In another secure payment algorithm, a pair of secret keys is used to encrypt a concatenation of the cardholder's account number, card expiration date and service code. In both cases, portions of the encryption results are used to define the merchant authentication code.