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:
May. 30, 2017
Filed:
May. 09, 2011
Rammohan Varadarajan, Cupertino, CA (US);
Ambarish Malpani, Palo Alto, CA (US);
Rammohan Varadarajan, Cupertino, CA (US);
Ambarish Malpani, Palo Alto, CA (US);
CA, Inc., New York, NY (US);
Abstract
According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may also include authenticating the user by the authentication server in response to a request from the user to use the one-time password. The method may further include authorizing the use of the one-time password for the transaction in response to authenticating the user by the authentication server. The method may moreover include using the one-time password in combination with an account number to settle the transaction between the user and the merchant. The method may additionally include sending a message to the authentication server originating from the merchant, wherein the message comprises the one-time password, and wherein the message requests a determination whether the one-time password is authorized for use in the transaction. The method may also include sending a message to the merchant originating from the authentication server, wherein the message includes a determination whether the transaction should be approved in response to the authentication server determining whether the one-time password is authorized for use in the transaction.