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.

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