Portable consumer device verification system
First Claim
1. A method comprising:
- receiving, at a server computer, 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 the authorization request message further comprises an account number associated with the portable consumer device and a transaction amount associated with the transaction;
selecting, using the server computer, an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint;
determining, using the server computer, the portable consumer device fingerprint using the selected algorithm and the altered portable consumer device fingerprint;
determining, using the server computer, whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm;
determining, using the server computer, if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and
sending, using the server computer, 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.
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Citations
25 Claims
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1. A method comprising:
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receiving, at a server computer, 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 the authorization request message further comprises an account number associated with the portable consumer device and a transaction amount associated with the transaction; selecting, using the server computer, an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint; determining, using the server computer, the portable consumer device fingerprint using the selected algorithm and the altered portable consumer device fingerprint; determining, using the server computer, whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm; determining, using the server computer, if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and sending, using the server computer, 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, 18, 19, 20, 21, 22, 23, 24, 25)
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7. An article of manufacture comprising:
- a computer readable medium having computer readable program codes means embodied therein 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, wherein the authorization request message further comprises an account number associated with the portable consumer device; selecting an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint; determining the portable consumer device fingerprint using the selected algorithm and the altered portable consumer device fingerprint; determining, using the server computer, whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm; 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 (8)
- a computer readable medium having computer readable program codes means embodied therein for;
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9. A server computer comprising a computer readable medium storing a computer program containing instructions thereon for instructing the server computer to perform the steps of:
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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, wherein the authorization request message further comprises an account number associated with the portable consumer device; selecting an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint; determining the portable consumer device fingerprint using the selected algorithm and the altered portable consumer device fingerprint; determining, using the server computer, whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm; 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.
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10. A method comprising:
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sending, using an access device, 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 the authorization request message comprises an account number, wherein an algorithm is selected from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its ownproprietary algorithm in an access device to alter the portable consumer device fingerprint, the portable consumer device fingerprint is determined using the selected algorithm and the altered portable consumer device fingerprint, a server computer determines whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm, and the server computer determines if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and receiving, using an access device, an authorization response message, wherein the authorization response message indicates whether or not the transaction is approved. - View Dependent Claims (11, 12, 13, 14)
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15. An article of manufacture comprising:
- a computer readable medium having computer readable program codes means embodied therein for;
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 the authorization request message further comprises an account number associated with the portable consumer device, wherein an algorithm is selected from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint, the portable consumer device fingerprint is determined using the selected algorithm and the altered portable consumer device fingerprint, a server computer determines whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm, and the 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.
- a computer readable medium having computer readable program codes means embodied therein for;
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16. An access device comprising a computer readable medium storing a computer program containing instructions thereon for instructing the access device to perform the steps of:
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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 the authorization request message further comprises an account number associated with the portable consumer device, wherein an algorithm is selected from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint, the portable consumer device fingerprint is determined using the selected algorithm and the altered portable consumer device fingerprint, a server computer determines whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm, and the server computer determines if the portable consumer device fingerprint matches a stored portable consumer device fmgerprint; and receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is approved. - View Dependent Claims (17)
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Specification