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Multi-device transaction verification

  • US 10,210,521 B2
  • Filed: 03/17/2016
  • Issued: 02/19/2019
  • Est. Priority Date: 03/17/2015
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a server computer, device information and a resource provider identifier from a portable communication device of a user, wherein the resource provider identifier was received by the portable communication device from a base station at a resource provider location identified by the resource provider identifier;

    receiving, by the server computer and from an access device in a transaction, an authorization request message comprising a credential or a token; and

    analyzing, by the server computer, the authorization request message to determine that the user of the portable communication device is also conducting the transaction at the access device,wherein the credential or the token is received by the access device from a portable transaction device, wherein the portable transaction device, the access device and the portable communication device are all at the resource provider location, and wherein the method further comprises after receiving the device information and the resource provider identifier, and before receiving from the access device the authorization request message;

    electronically searching a database for the credential or the token using the device information;

    hashing at least the resource provider identifier, and the credential or token, to form a cryptographic pattern; and

    transmitting the cryptographic pattern to the portable communication device, which transfers the cryptographic pattern to the base station, and then to the access device.

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