Patent ID: 7801825
Filing Date: 2010-09-21
Classification: G06Q,H04L

Abstract:
1. A system for authenticating a cardholder transaction with a merchant on an electronic network, the system comprising: an issuer platform layer including at least one 3-D Secure authentication program; a merchant plug-in (MPI); an secure payment algorithm (SPA); and and a data transport layer, wherein the issuer platform comprises an access control server (ACS) that uses the SPA to process transaction and cardholder information for authentication by an authentication method and to generate an Accountholder Authentication Value (AAV) and conveys the AAV through the data transport layer to the MPI, wherein the AAV is a formatted data structure compatible with 3-D Secure message protocols, wherein the formatted data structure has a length of at most 20-bytes including bytes that identify a hash of the merchant's name, bytes that identify the ACS, bytes that identify the authentication method, bytes that identify secret cryptographic keys and bytes that include a merchant authentication code (MAC), wherein the SPA comprises an encryption algorithm for generating the MAC, wherein the encryption algorithm uses a pair of secret keys A and B that are identified in the AAV to encrypt a concatenation of the card holder's account number, card expiration date and service code to generate a three-digit CVC2 field, and uses the result to populate two bytes of the MAC.