Patent ID: 11935064
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method to authenticate a secure element payment card, said method comprising:
transmitting a cold reset signal to the secure element payment card;
receiving an answer-to-reset message from the secure element payment card, the answer-to-reset message including governing rules for performing a transaction, the governing rules indicating that a secure data element is to be used to authenticate the secure element payment card;
receiving payment account details for a payment account associated with the secure element payment card;
transmitting a payment authorization request message to an interchange network;
receiving a card authentication request message from the interchange network, the card authentication request message including an encrypted instruction;
transmitting the encrypted instruction to the secure element payment card;
receiving the secure data element from the secure element payment card;
transmitting a card authentication request response message to the interchange network, the card authentication request response message including the secure data element; and
receiving a payment authorization request response message, based on the secure data element, from the interchange network.