Authentication arrangement and method for use with financial transaction

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United States of America Patent

PATENT NO 8909557
SERIAL NO

12584704

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system and method for generating an authentication token which is used by an issuer associated with a integrated circuit card to authenticate a transaction. A personal card reader receives data, including an authentication cryptogram, from the integrated circuit card. The personal card reader uses the data received from the integrated circuit card to select one of at least two default bitmaps stored in a memory portion of the personal card reader. The personal card reader uses the selected default bitmap and the authentication cryptogram to build the authentication token.

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Patent Owner(s)

  • MASTERCARD INTERNATIONAL INCORPORATED

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ates, Fikret Namur, BE 24 575
Beric, John London, GB 15 230
Collinge, Mehdi Braine-l'Alleud, BE 50 845
Grossar, Jonathan Brussels, BE 3 37
Rans, Jean-Paul Edmond Glabais, BE 9 486
Roberts, Dave Warrington, GB 26 370
Tan, Thomas Singapore, SG 12 235
Vanneste, Paul Ottignies, BE 13 505

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