Patent SG-11201804606W-A (SG)
Title: Dynamic security code authorization verification service
Inventor: WARNER MARIBETH SEVIGNY
IPC: G06Q20/40
Filed: 2016-12-06
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -' Organization International Bureau ires.. 00) (43) International Publication Date .... ...../ 15 June 2017(15.06.2017) WIPO I PCT (10) WO International 1111111111113111111111111111111111111111111111111111111111111111111111111111111111111111 2017/100144 Publication Al Number (51) International Patent Classification: Belleville, IL 62221 (US). JABR, Ghassan T.; 3122 Bear G06Q 20/40 (2012.01) G06Q 20/38 (2012.01) View Court, Wentzville, MO 63385 (US). HOCHHAL- G06Q 20/34 (2012.01) TER, Michael; 25 Auvergne Drive, Lake St. Louis, MO 63367 (US). BALL, Russell W.; 3976 Lockport Drive, (21) International Application Number: Bridgeton, MO 63044 (US). HOUSE, Winifred Eliza- PCT/US2016/065045 beth; 26 Hampton Drive, Troy, MO 63379 (US). RAO, (22) International Filing Date: Prasad Krishnamoorthy; 105 Josephine Avenue, West 6 December 2016 (06.12.2016) Conshohocken, PA 19428 (US). HANMER, Matthew; 45 Park Avenue North Abington, Northampton, Northampton- (25) Filing Language: English shire NN3 2HT (GB). KRYZA, Nora; 12008 Jeffers Lane, (26) Publication Language: English Fenton, MI 48430 (US). (30) Priority Data: (74) Agent: DOBBYN, Colm J; Mastercard International In- 62/265,020 9 December 2015 (09.12.2015) US corporated, 2000 Purchase Street, Purchase, NY 10577 15/007,837 27 January 2016 (27.01.2016) US (US). (71) Applicant: MASTERCARD INTERNATIONAL IN- (81) Designated States (unless otherwise indicated, for every CORPORATED [US/US]; 2000 Purchase Street, Pur- kind of national protection available): AE, AG, AL, AM, chase, NY 10577 (US). 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, (72) Inventors: WARNER, Maribeth Sevigny; 2000 Purchase DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, Street, Purchase, NY 10577 (US). KAULBACH, Pete; 52 HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, Kingsbury Way, Bedford, Nova Scotia, B4A 4M5 (CA). KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, DUNNELL, Robert C.; 4259 Humphrey Street, Saint MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, Louis, MO 63116 MCDONALD, Robert J.; 2706 (US). OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, Cascade Lake Drive, Belleville, IL 62221 DON- (US). SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, NELLY, Kathleen; 91 Wyndview Court, Lake St. Louis, MO 63367 (US). ROEWE, Thomas; 3 Sundew Court, [Continued on next page] (54) Title: DYNAMIC SECURITY CODE AUTHORIZATION VERIFICATION SERVICE 200 \"7 - - 208 1 7 7 HO 206 (_ f /-202 11140 PAYMENT ON-BEHALF/ ACQUIRER NETWORK STAND-IN ISSUER PROCESSING PROCESSING 22 ,-204 DYNAMIC VALIDATION 11 SERVICE .4t ll• it 1-1 o o 1-1 IN (57) : A method includes receiving I-1 c:::, quest message. The transaction authorization request message was generated in connection el method further includes performing a verification 0 In addition, the transaction authorization request message may be modified by adding thorization request message. Also, the modified P. ment account designated for use in the payment L J FIG. 2 a request to verify a dynamic security process with respect to the dynamic security code to generate a verification result. transaction authorization request message account transaction. code included in a transaction authorization re - with a payment account transaction. The the verification result to the transaction au- may be transmitted to an issuer of a pay - WO 2017/100144 Al 1#110HOMOIDEMOIDEM30101111110101MENVOIMIE 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, DK, EE, ES, FI, FR, GB, LU, LV, MC, MK, MT, SI, SK, SM, TR), OAPI GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). GR, HR, HU, IE, IS, IT, NL, NO, PL, PT, RO, RS, (BF, BJ, CF, CG, CI, CM, LT, SE, GA, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, Published: TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, with international search report (Art. 21(3))