Portable Consumer Device Verification System
First Claim
1. A method comprising:
- receiving an authorization request message associated with a transaction conducted using a portable consumer device, wherein the portable consumer device comprises a portable consumer device fingerprint, and wherein the authorization request message comprises an altered portable consumer device fingerprint and an algorithm identifier;
selecting an algorithm from among a plurality of algorithms using the algorithm identifier;
determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint;
determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and
sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.
-
Citations
40 Claims
-
1. A method comprising:
-
receiving an authorization request message associated with a transaction conducted using a portable consumer device, wherein the portable consumer device comprises a portable consumer device fingerprint, and wherein the authorization request message comprises an altered portable consumer device fingerprint and an algorithm identifier;
selecting an algorithm from among a plurality of algorithms using the algorithm identifier;
determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint;
determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and
sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A system comprising:
-
means for receiving an authorization request message associated with a transaction conducted using a portable consumer device, wherein the portable consumer device comprises a portable consumer device fingerprint, and wherein the authorization request message comprises an altered portable consumer device fingerprint and an algorithm identifier;
means for selecting an algorithm from among a plurality of algorithms using the algorithm identifier;
means for determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint;
means for determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and
means for sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.
-
-
12. A method comprising:
-
sending an authorization request message associated with a transaction conducted using a portable consumer device, wherein the portable consumer device comprises a portable consumer device fingerprint, and wherein the authorization request message comprises an altered portable consumer device fingerprint and an algorithm identifier, wherein an algorithm is selected from among a plurality of algorithms using the algorithm identifier, the portable consumer device fingerprint is determined using selected algorithm and the altered portable consumer device fingerprint, and a server computer determines if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and
receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is approved. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
-
-
21. A method comprising:
-
receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device;
analyzing the authorization request message for one or more characteristics or the portable consumer device or the access device to determine if a confidence threshold is met or exceeded; and
if the confidence threshold is not exceeded, performing additional authentication processing. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
-
-
31. A system comprising:
-
means for receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device;
means for analyzing the authorization request message for one or more characteristics or the portable consumer device or the access device to determine if a confidence threshold is met or exceeded; and
means for performing additional authentication processing if the confidence threshold is not exceeded. - View Dependent Claims (32, 33, 34, 35)
-
-
36. A system comprising:
a server computer comprising a processor; and
computer readable medium comprising code for receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device, code for analyzing the authentication request message for one or more characteristics of the portable consumer device or the access device to determine if a confidence threshold is met or exceeded, and code for performing additional authentication processing if the confidence threshold is not exceeded.- View Dependent Claims (37, 38, 39, 40)
Specification