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Customer Authentication In E Commerce Transactions

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 customers 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 authentication indidual 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.

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Notices, Deadlines & Correspondence

Patent Information

Application #
Filing Date
27 December 2005
Publication Number
24/2007
Publication Type
INA
Invention Field
COMPUTER SCIENCE
Status
Email
Parent Application

Applicants

MASTERCARD INTERNATIONAL INCORPORATED
2000 PURCHASE STREET, PURCHASE, N.Y.10577

Inventors

1. RUTHERFORD BRUCE
20, Glendale Road, Stamford, Connecticut 06906.
2. DAGHER ALFRED
294, Wiley Place, Wyckoff,NJ 07481.
3. WIESMAN MARK
1801, York Ridge Court, Chesterfield, Missouri 63017.
4. PAIE DIDIER JEAN MARIE CHARLES
Avenue Georges Marchal 22/301, 1330 Rixensart
5. RANS JEAN PAUL EDMOND
45 route d' ottignies, B 1380 Lansnes
6. ATES FIKRET
50, Rue Francois Dufer, 5000 Namur
7. WANKMUELLER JOHN
35 Tanners Road, Great Neck, New York 11020.

Specification

Documents

Application Documents

# Name Date
1 1437-MUMNP-2005-ABSTRACT(7-5-2009).pdf 2018-08-09
1 1437-mumnp-2005-form 3(21-12-2005).pdf 2005-12-21
2 1437-MUMNP-2005-CANCELLED PAGES(7-5-2009).pdf 2018-08-09
2 1437-mumnp-2005-wo international publication report(27-12-2005).pdf 2005-12-27
3 1437-mumnp-2005-form 5(27-12-2005).pdf 2005-12-27
3 1437-MUMNP-2005-CLAIMS(7-5-2009).pdf 2018-08-09
4 1437-mumnp-2005-form 3(27-12-2005).pdf 2005-12-27
4 1437-mumnp-2005-correspondence(15-5-2006).pdf 2018-08-09
5 1437-mumnp-2005-form 2(title page)-(complete)-(27-12-2005).pdf 2005-12-27
5 1437-MUMNP-2005-CORRESPONDENCE(17-2-2011).pdf 2018-08-09
6 1437-mumnp-2005-form 2(27-12-2005).pdf 2005-12-27
6 1437-MUMNP-2005-CORRESPONDENCE(7-5-2009).pdf 2018-08-09
7 1437-mumnp-2005-form 13(27-12-2005).pdf 2005-12-27
7 1437-mumnp-2005-correspondence(ipo)-(13-1-2011).pdf 2018-08-09
8 1437-MUMNP-2005-FORM 1(27-12-2005).pdf 2005-12-27
8 1437-mumnp-2005-correspondence(ipo)-(4-6-2009).pdf 2018-08-09
9 1437-MUMNP-2005-DESCRIPTION(COMPLETE)-(7-5-2009).pdf 2018-08-09
9 1437-mumnp-2005-drawing(27-12-2005).pdf 2005-12-27
10 1437-mumnp-2005-description(complete)-(27-12-2005).pdf 2005-12-27
10 1437-MUMNP-2005-DRAWING(7-5-2009).pdf 2018-08-09
11 1437-mumnp-2005-claims(27-12-2005).pdf 2005-12-27
11 1437-mumnp-2005-drawing(amended)-(7-5-2009).pdf 2018-08-09
12 1437-mumnp-2005-abstract(27-12-2005).pdf 2005-12-27
12 1437-mumnp-2005-form 18(15-5-2006).pdf 2018-08-09
13 1437-mumnp-2005-form 2(7-5-2009).pdf 2018-08-09
13 1437-MUMNP-2005-PETITION UNDER RULE 137(7-5-2009).pdf 2018-08-09
14 1437-MUMNP-2005-FORM 2(TITLE PAGE)-(7-5-2009).pdf 2018-08-09
14 1437-MUMNP-2005-OTHER DOCUMENT(7-5-2009).pdf 2018-08-09
15 1437-mumnp-2005-form 26(15-5-2006).pdf 2018-08-09
15 1437-mumnp-2005-general power of attorney(15-5-2006).pdf 2018-08-09
16 1437-MUMNP-2005-FORM 3(7-5-2009).pdf 2018-08-09
16 1437-mumnp-2005-general power of attorney(14-2-2006).pdf 2018-08-09
17 1437-MUMNP-2005-FORM 5(7-5-2009).pdf 2018-08-09
18 1437-mumnp-2005-general power of attorney(14-2-2006).pdf 2018-08-09
18 1437-MUMNP-2005-FORM 3(7-5-2009).pdf 2018-08-09
19 1437-mumnp-2005-form 26(15-5-2006).pdf 2018-08-09
19 1437-mumnp-2005-general power of attorney(15-5-2006).pdf 2018-08-09
20 1437-MUMNP-2005-FORM 2(TITLE PAGE)-(7-5-2009).pdf 2018-08-09
20 1437-MUMNP-2005-OTHER DOCUMENT(7-5-2009).pdf 2018-08-09
21 1437-mumnp-2005-form 2(7-5-2009).pdf 2018-08-09
21 1437-MUMNP-2005-PETITION UNDER RULE 137(7-5-2009).pdf 2018-08-09
22 1437-mumnp-2005-abstract(27-12-2005).pdf 2005-12-27
22 1437-mumnp-2005-form 18(15-5-2006).pdf 2018-08-09
23 1437-mumnp-2005-claims(27-12-2005).pdf 2005-12-27
23 1437-mumnp-2005-drawing(amended)-(7-5-2009).pdf 2018-08-09
24 1437-MUMNP-2005-DRAWING(7-5-2009).pdf 2018-08-09
24 1437-mumnp-2005-description(complete)-(27-12-2005).pdf 2005-12-27
25 1437-MUMNP-2005-DESCRIPTION(COMPLETE)-(7-5-2009).pdf 2018-08-09
25 1437-mumnp-2005-drawing(27-12-2005).pdf 2005-12-27
26 1437-mumnp-2005-correspondence(ipo)-(4-6-2009).pdf 2018-08-09
26 1437-MUMNP-2005-FORM 1(27-12-2005).pdf 2005-12-27
27 1437-mumnp-2005-correspondence(ipo)-(13-1-2011).pdf 2018-08-09
27 1437-mumnp-2005-form 13(27-12-2005).pdf 2005-12-27
28 1437-MUMNP-2005-CORRESPONDENCE(7-5-2009).pdf 2018-08-09
28 1437-mumnp-2005-form 2(27-12-2005).pdf 2005-12-27
29 1437-MUMNP-2005-CORRESPONDENCE(17-2-2011).pdf 2018-08-09
29 1437-mumnp-2005-form 2(title page)-(complete)-(27-12-2005).pdf 2005-12-27
30 1437-mumnp-2005-correspondence(15-5-2006).pdf 2018-08-09
30 1437-mumnp-2005-form 3(27-12-2005).pdf 2005-12-27
31 1437-mumnp-2005-form 5(27-12-2005).pdf 2005-12-27
31 1437-MUMNP-2005-CLAIMS(7-5-2009).pdf 2018-08-09
32 1437-mumnp-2005-wo international publication report(27-12-2005).pdf 2005-12-27
32 1437-MUMNP-2005-CANCELLED PAGES(7-5-2009).pdf 2018-08-09
33 1437-mumnp-2005-form 3(21-12-2005).pdf 2005-12-21
33 1437-MUMNP-2005-ABSTRACT(7-5-2009).pdf 2018-08-09