Patent SG-11201807954X-A (SG)
Title: Systems and methods for device authentication
Inventor: HAMMAD AYMAN
IPC: G06Q20/36
Filed: 2017-03-14
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -, Organization M11111011010101H HO 11111 01110111 100 la H HO H MEV III 11 International Bureau 0.. .1 j ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/160814 Al 21 September 2017 (21.09.2017) WIP0 I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/32 (2012.01) G06Q 20/40 (2012.01) kind of national protection available): AE, AG, AL, AM, G06Q 20/36 (2012.01) 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, (21) International Application Number: DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, PCT/US2017/022272 HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, (22) International Filing Date: KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, 14 March 2017 (14.03.2017) MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, (25) Filing Language: English RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, (26) Publication Language: English TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (30) Priority Data: 15/069,418 14 March 2016 (14.03.2016) US (84) Designated States (unless otherwise indicated, for every 15/362,019 28 November 2016 (28.11.2016) US kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, (71) Applicant: JPMORGAN CHASE BANK, N.A. [US/US]; TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, 270 Park Avenue, New York, NY 10017 (US). TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, (72) Inventors: HAMMAD, Ayman; 16 Castledown Road, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, Pleasanton, CA 94566 (US). CLARKE, Simon; 2005 LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, North Van Buren Street, Wilmington, DE 19802 (US). SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). (74) Agents: KING, Robert, A. et al.; HUNTON AND WILLI- AMS LLP, 2200 Pennsylvania Avenue, NW, Washington, Published: DC 20037 (US). — with international search report (Art. 21(3)) (54) Title: SYSTEMS AND METHODS FOR DEVICE AUTHENTICATION Merchant t Acquirer Payment issuer (150) ' I- P.- Network -4--° ' (170) RMS (125) (160) RMS (155) Il Financial Institution (190) .._.1 I I El . Electronic \io. Device 115 © Customer 110 Figure 1 Il ----. (57) : Systems and methods for device authentication are disclosed. In one embodiment, a method may include (1) an ac - L . ' quirer portion receiving a device credential and a payment credential that were received from the payment application in conjunction '..::::; with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the acquirer por - N tion performing a first validation assessment on the transaction based on the transaction data and first data retrieved from a first data ( 0 ...) source; (3) the payment network portion performing a second validation assessment on the transaction based on the transaction data '° and second data retrieved from a second data source; and (4) the issuer portion identifying and authenticating the customer based on the device credential, the payment credential, and at least one of the first validation assessment and the second validation assessment.