Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2006-01-24
2006-01-24
Tramwell, James P. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S065000, C705S067000, C705S071000, C705S074000, C705S075000, C705S076000, C713S150000, C380S277000
Reexamination Certificate
active
06990470
ABSTRACT:
A secure method of conducting an electronic transaction over a public communications network is provided which utilizes a pseudo-expiration date in the expiration date field of an authorization request. One of the preferred methods comprises:generating a per-card key associated with an account number;generating a message authentication code using the per-card key;converting the message authentication code into a pseudo expiration date;generating an authorization request for the transaction, the request having an expiration date field containing the pseudo expiration date; andverifying the message authentication code based on the pseudo expiration date.Another embodiment of the invention includes a method of conducting an electronic transaction over a public communications network, with a payment account number having an associated pseudo account number, comprising:(a) providing the pseudo account number with a control field indicating one of a plurality of key-generation processes to be used to generate an authentication key;(b) generating an authentication key associated with the pseudo account number using one of the plurality of key-generation processes indicated in the control field of the pseudo account number;(c) using the authentication key to generate a message authentication code specific to the transaction;(d) generating an authorization request message including the message authentication code and the pseudo account number; and(e) verifying the message authentication code using the indicated key-generation process and the authentication key.
REFERENCES:
patent: 5317636 (1994-05-01), Vizcaino
patent: 5761306 (1998-06-01), Lewis
patent: 5790677 (1998-08-01), Fox et al.
patent: 5883810 (1999-03-01), Franklin et al.
patent: 5903878 (1999-05-01), Talati et al.
patent: 5956699 (1999-09-01), Wong et al.
patent: 5991412 (1999-11-01), Wissenburgh et al.
patent: 6000832 (1999-12-01), Franklin et al.
patent: 6072870 (2000-06-01), Nguyen et al.
patent: 6227447 (2001-05-01), Campisano
patent: 6370514 (2002-04-01), Messner
patent: 2001/0034720 (2001-10-01), Armes
patent: 2001/0037451 (2001-11-01), Bhagavatula et al.
patent: 2001/0047281 (2001-11-01), Keresman, III et al.
patent: 2001/0047335 (2001-11-01), Arndt et al.
patent: 2001/0051902 (2001-12-01), Messner
patent: 2002/0032663 (2002-03-01), Messner
patent: 2002/0046169 (2002-04-01), Keresman, III et al.
patent: 2002/0052784 (2002-05-01), Sherwin et al.
patent: 2003/0120615 (2003-06-01), Kuo
patent: 1 028 401 (2000-08-01), None
patent: WO9966428 (1999-12-01), None
patent: WO 01/01622 (2001-01-01), None
patent: WO 01/07873 (2001-02-01), None
patent: WO 01/26062 (2001-04-01), None
patent: WO 01/67215 (2001-09-01), None
patent: WO 01/84509 (2001-11-01), None
patent: WO 02/15077 (2002-02-01), None
Prenell et al., “On the Security if Iterated Message Authentication Codes”, 1999, IEEE.
Campbell Carl M.
Hogan Edward J.
Baker & Botts LLP
MasterCard International Incorporated
Tramwell James P.
Worjtoh Jalatee
LandOfFree
Method and system for conducting secure payments over a... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for conducting secure payments over a..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for conducting secure payments over a... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3584226