Patent SG-11201808737Y-A (SG)
Title: Unique token authentication cryptogram
Inventor: CASSIN Michael
IPC: H04L9/32
Filed: 2017-06-23
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property :::` , 1#1101111011101 HOE 010 1111 1 0 01 OH 0111 1011 II 01110111110 1111 0E111 Organization International Bureau (10) International Publication Number 03 (43) International Publication Date ......°' WO 2017/223525 Al 28 December 2017 (28.12.2017) WIP0 I PCT (51) International Patent Classification: (72) Inventors: CASSIN, Michael; 900 Metro Center Boule- HO4L 9/32 (2006.01) yard, Foster City, California 94404 (US). FLURSCHEIM, Christian; 1973 Countrywood Ct., Walnut Creek, Califor- (21) International Application Number: PCT/US2017/039129 ni a 94598 (US). JONES, Christopher; 111 Almenar Dri- ye, Greenbrae, California 94904 (US). (22) International Filing Date: (74) Agent: RICKETT, Cynthia H. et al.; Kilpatrick Townsend 23 June 2017 (23.06.2017) & Stockton LLP, Mailstop: IP Docketing -- 22, 1100 (25) Filing Language: English Peachtree Street, Suite 2800, Atlanta, Georgia 30309 (US). (26) Publication Language: English (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, (30) Priority Data: AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, 62/354,340 24 June 2016 (24.06.2016) US CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (71) Applicant: VISA INTERNATIONAL SERVICE DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, ASSOCIATION [US/US]; P.O. Box 8999, M1-11F, San HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, Francisco, California 94128-8999 (US). 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: UNIQUE TOKEN AUTHENTICATION CRYPTOGRAM TOKEN USER 102 USER DEVICE 104 0 SERVICE PROVIDER COMPUTER 11 0 \" PROVIDER 114 il .„,_„,, COMPUTER APPLICATION 110 106 RESOURCE 0 4, f ® PROVIDER COMPUTER 0 0 108 TRANSACTION AUTHORIZING PROCESSING 110' ENTITY COMPUTER COMPUTER 112 0 118 / t ® TRANSPORT COMPUTER 116 \ 100 FIG. 'I 11 (57) : Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One In embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned el in with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a M request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The e•1 service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider el ---. computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to Ir----- validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation. 1-1 0 N O [Continued on next page] WO 2017/223525 Al IMEDIMOM0101011MMEMODIMOMAIMOMEHMIE 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))