Patent SG-11201900952T-A (SG)
Title: Cryptographic authentication and tokenized transactions
Inventor: COLLINGE MEHDI
IPC: G06Q20/32
Filed: 2017-08-11
Abstract: CUSTOMERDEVICE VALIDATES MERCHANT IDENTITY AND USES TRANSACTION SEED DATA TO GENERATE CRYPTOGRAM FOR TOKENISED TRANSACTION V CUSTOMER DEVICE PROVIDES CRYPTOGRAM TO MERCHANT FOR AUTHORISATION OF TOKENISED TRANSACTION () INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 15 February 2018 (15.02.2018) WIP0 I PCT IiiimmomiolollmonoloolllomolimoiliflovoimIE (10) International Publication Number WO 2018/031856 Al 410 (51) International Patent Classification: G06Q 20/20 (2012.01) G06Q 20/32 (2012.01) (21) International Application Number: PCT/US2017/046437 (22) International Filing Date: 11 August 2017 (11.08.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 1613882.8 12 August 2016 (12.08.2016) GB (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: COLLINGE, Mehdi; Rue des Boulois 9, Mont- Sainte-Aldegonde, 7141 Hainaut (BE). JOHNSON, Alan; Broad Marsh, The Street Salcott, Mardon, Essex CM9 8HW (GB). (74) Agent: DOBBYN, Colm J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (54) Title: CRYPTOGRAPHIC AUTHENTICATION AND TOKENIZED TRANSACTIONS MERCHANT PROVIDES MERCHANT IDENTITY AND TRANSACTION SEED DATA TO CUSTOMER DEVICE A----- 420 430 00 O 00 O O FIG. 4 (57) : A cryptographic method of performing a tokenised transaction between a payment offering party and a payment accept- ing party is described. The tokenised transaction is mediated by a transaction scheme. The payment accepting party is provided with a merchant identity and a merchant certificate associated with that identity by the transaction scheme provider. The payment accepting party provides the merchant identity and transaction seed data to the payment offering party. The payment offering party validates the merchant identity and uses the merchant identity and the transaction seed data to generate a cryptogram for the tokenised transaction. The payment offering party provides the cryptogram to the payment accepting party for transmission to the transaction scheme provider for authorisation of the tokenised transaction. A suitable user computing device and merchant computing device for acting as payment offering party and payment accepting party respectively are also described. [Continued on next page] WO 2018/031856 Al MIDEDIMOMOIDEIREEMODHOM1HEROMEEN SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))