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:
Dec. 06, 2016
Filed:
Jun. 04, 2004
Bruce Rutherford, Stamford, CT (US);
Alfred Dagher, Wyckoff, NJ (US);
Mark Wiseman, Chesterfield, MO (US);
Didier Jean Marie Charles Paie, Rixensart, BE;
Jean-paul Edmond Rans, Glabais, BE;
Fikret Ates, Namur, BE;
John Wankmueller, Great Neck, NY (US);
Bruce Rutherford, Stamford, CT (US);
Alfred Dagher, Wyckoff, NJ (US);
Mark Wiseman, Chesterfield, MO (US);
Didier Jean Marie Charles Paie, Rixensart, BE;
Jean-Paul Edmond Rans, Glabais, BE;
Fikret Ates, Namur, BE;
John Wankmueller, Great Neck, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A Chip Authentication Program based on 3-D Secure protocols is provided for authenticating customers' on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers for authenticating transactions by individual customers who are identified by their personal EMV-complaint smart cards. An authentication token is generated at the point of interaction (POI) for each transaction based on information from the customer's smart card and transaction specific information sent directly by the issuer to populate a web page at the POI. Authentication tokens generated at the POI are evaluated by the Authentication Request Server to authenticate individual customer and/or card presence at the transaction POI. Authentication values are transported on-line in designated Universal Cardholder Authentication Fields consistent with 3-D Secure protocols.