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Multifactor authentication using a directory server

  • US 10,255,601 B2
  • Filed: 12/09/2010
  • Issued: 04/09/2019
  • Est. Priority Date: 02/25/2010
  • Status: Active Grant
First Claim
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1. A method for authenticating an account of a consumer, the method comprising the steps of:

  • receiving, by a directory server computer, a first identifier and a cryptogram from an access device, wherein the first identifier is associated with the account, and wherein the access device received the first identifier and the cryptogram from a portable consumer device to initiate a transaction, wherein the cryptogram was generated by the portable consumer device for the transaction;

    identifying, by the directory server computer, an issuer computer associated with the account;

    forwarding, by the directory server computer, the first identifier and the cryptogram to the issuer computer for validation;

    receiving, by the directory server computer, a temporary primary account number (TPAN) from the issuer computer, wherein the temporary primary account number (TPAN) is generated by the issuer computer and associated with a validated form of the first identifier; and

    sending, by the directory server computer, the temporary primary account number (TPAN) to the access device, wherein the temporary primary account number (TPAN) is subsequently sent by the access device to the issuer computer via an acquirer computer and a payment processing server computer for authorization of the transaction, wherein the issuer computer validates the temporary primary account number (TPAN), wherein the transaction is authorized when the temporary primary account number (TPAN) is validated, andwherein the steps in the method are performed in the order listed above.

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