Patent SG-11201804638X-A (SG)
Title: Method and system for validation of a token requestor
Inventor: Koletsky Barry
IPC: G06Q20/38
Filed: 2016-11-15
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization 11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 International Bureau (10) International Publication Number WO 2017/095620 Al (43) International Publication Date 8 June 2017 (08.06.2017) WI P0 I P CT (51) International Patent Classification: (72) Inventors: KOLETSKY, Barry; 1235 Greenland Ham- G06Q 20/38 (2012.01) mock, DeLand, FL 32720 (US). MUSIL, Aimee; 1175 (21) International Application Number: PCT/US2016/061996 Hampton Meadows Drive, O'Fallon, MO 63368 (US). LIS- CIA, Maurice, David; 4821 5th Street, Apt. 1B, Long Is- land City, NY 11101 (US). SNYDER, Keith, E.; 903 Strecker Road, Wildwood, MO 63005 (US). LAKKA, (22) International Filing Date: Sowmya; 17637 Lasiandra Drive, Wildwood, MO 63005 15 November 2016 (15.11.2016) (US). (25) Filing Language: English (74) Agent: DOBBYN, Colm, J.; Mastercard International In- (26) Publication Language: English corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (30) Priority Data: 14/957,444 2 December 2015 (02.12.2015) US (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, (71) Applicant: MASTERCARD INTERNATIONAL IN- AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, CORPORATED [US/US]; 2000 Purchase Street, Pur- BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, chase, NY 10577 (US). DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, 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, 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. [Continued on next page] ssuer =LED =pm= (54) Title: METHOD AND SYSTEM FOR VALIDATION OF A TOKEN REQUESTOR (57) : A method for enhanced validation of an entity AMu~rar associated with a COF token includes: storing at least transac- , 116 -14 tion data, a token requester identifier (TRJD), and a COF token identifier; receiving payment credentials, wherein the payment credentials include at least a COF-specific payment token; generating a transaction message, wherein the transac- t tion message is foiinatted based on one or more standards and includes at least a plurality of data elements including at least a first data element configured to store the COF-specific pay- ment token, a second data element configured to store the COF token identifier, a third data element configured to store the TRID, and one or more additional data elements con- figured to store the transaction data; and electronically trans- mitting the generated transaction message to a fmancial insti- tution via a payment network. Payment Network et, Ititit619 Vgdanon Server 110 oz / 108 Wa lel Provde CC= 69.91 wocosso: W O 20 17 /095 6 20 Al Consumer Computing Device COF Ettlit Server FIG.1 / WO 2017/095620 Al MIDEDIMOMOIDEIRMEMONIHRIMOMMOVOIMIE (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))