REAL TIME AUTHENTICATION OF PAYMENT CARDS

• US 20110078025A1
• Filed: 06/11/2009
• Published: 03/31/2011
• Est. Priority Date: 06/13/2008
• Status: Abandoned Application

• Current Assignee: Shourabh Shrivastav
• Original Assignee: Shourabh Shrivastav
• Inventors: Shrivastav, Shourabh
• Application Number:
  US12/997,571
• Publication Number:
  US 20110078025A1
• Time in Patent Office: Days
• US Class Current: 705/14.64
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

An authentication sever (108) to authenticate real time a transaction associated with an electronic card performed by a user 102 subscribed to an authentication service having a user subscription database (202) on the authentication server 108 is provided. The authentication server (108) executes including obtaining a confirmation that the user (102) is subscribed to the authentication service, generating a verification code real time triggered by the transaction associated with the electronic card, communicating the verification code to a mobile communication device (104 A-B) associated with the user, processing a verification message based on the verification code and a mobile communication device information associated with the mobile communication device (104 A-B), and authenticating the transaction if the verification message and the mobile communication device information matches an information associated with the user subscription database. The verification message and the mobile communication device information are obtained from the mobile communication device (104A-B) real time.

Claims

1. A method of authenticating real time a transaction associated with an electronic card, said transaction performed by a user subscribed to an authentication service having a user subscription database on a authentication server, said method comprising:

obtaining a confirmation that said user is subscribed to said authentication service;

generating a verification code real time triggered by said transaction associated with said electronic card;

communicating said verification code to a mobile communication device associated with said user;

processing a verification message based on said verification code and a mobile communication device information associated with said mobile communication device, wherein said verification message and said mobile communication device information are obtained from said mobile communication device real time; and

authenticating said transaction if said verification message and said mobile communication device information matches an information associated with said user subscription database.

2. The method of claim 1, wherein said authentication process further comprising communicating a transaction validation message to a merchant along with a targeted advertisement to said user based on at least one of said user'"'"'s interest, a location of usage of said transaction associated with said electronic card or said user location associated with said user subscription database at the time of subscription to said authentication service.

3. The method of claim 1, further comprising identifying said mobile communication device as a secondary mobile communication device based on a match between a user login information associated with said mobile communication device and a user login information associated with said secondary mobile communication device stored in said user subscription database.

4. The method of claim 3, wherein said mobile communication device and said secondary mobile communication device comprises a client application.

5. The method of claim 1, wherein said mobile communication device information is at least one of a International Mobile Equipment Identity (IMEI) information, a Subscriber Identity Module (SIM) information, a Bluetooth unique identifier information, a infrared identifier information, or a mobile communication device number.

6. The method of claim 1, wherein said electronic card comprising at least one of a International Mobile Equipment Identity (IMEI) information, a Subscriber Identity Module (SIM) information, a Bluetooth unique identifier information, a infrared identifier information, or a mobile communication device number.

7. The method of claim 1, wherein said mobile communication device and said secondary mobile communication device is at least one of a GSM phone, a UMTS phone, a CDMA phone, a CDMA 2000 phone, a PDC, a TDMA phone, a smart phone, a PDA (Pocket Digital Assistant), a touch sensitive device, a handheld device, or a wireless device.

8. The method of claim 1, wherein said verification code and said verification message is communicated via at least one of an SMS channel, an MMS channel, a GPRS data channel, a CDMA data channel, a Bluetooth channel, an infrared channel, an Interactive Voice Response (IVR), or a 3G network.

9. The method of claim 1, wherein said transaction associated with said electronic card is one of a face to face transaction or a non face to face transaction, said transaction associated with electronic card is one of a credit card transaction or a debit card transaction.

10. The method of claim 9, wherein said credit card transaction and said debit card transaction is one of a cash withdrawal transaction with an ATM.

11. The method of claim 4, wherein said client application associated with said mobile communication device and said secondary mobile communication device sends said mobile communication device information associated with said mobile communication device and said secondary mobile communication device to said authentication server.

12. A program storage device readable by computer, tangibly embodying a program of instructions executable by said computer to perform a method of authenticating an electronic card transaction real time, said transaction performed by a user subscribed to an authentication service having a user subscription database on said authentication server, said method comprising:

processing a verification code from said authentication server on said transaction being performed; and

communicating a verification message based on said verification code and a mobile communication device information associated with a mobile communication device associated with said user on said user subscription database, wherein said verification message and said mobile communication device information are communicated simultaneously to said authentication server real time.

13. The program storage device of claim 12, wherein said transaction associated with said electronic card is one of a face to face transaction or a non face to face transaction, said transaction is at least one of a credit card transaction or a debit card transaction with an ATM.

14. The program storage device of claim 12, wherein said mobile communication device comprises a client application.

15. The program storage device of claim 12, wherein said mobile communication device information is at least one of a International Mobile Equipment Identity (IMEI) information, a Subscriber Identity Module (SIM) information, a Bluetooth unique identifier information, a infrared identifier information, or a mobile communication device number associated with said user.

16. The program storage device of claim 12, wherein said electronic card comprising at least one of a International Mobile Equipment Identity (IMEI) information, a Subscriber Identity Module (SIM) information, a Bluetooth unique identifier information, a infrared identifier information, or a mobile communication device number associated with said user.

17. A mobile communication device to perform a transaction associated with an electronic card, said mobile communication device comprising a client application, said transaction performed by a user subscribed to an authentication service having a user subscription database on a authentication server, said client application comprising:

a confirmation module to process a verification message on receiving a verification code from said authentication server associated with said mobile communication device and said secondary mobile communication device to said authentication sever real time; and

a transmitting module to transmit said verification message and said information associated with said mobile communication device and said secondary mobile communication device simultaneously to said authentication server real time.

18. The mobile communication device of claim 17, wherein said client application further comprising a preference module to set a limit associated with said transaction.

19. The mobile communication device of claim 17, wherein said information is sent via at least one of an SMS channel, an MMS channel, a GPRS data channel, a CDMA data channel, a Bluetooth channel, an infrared channel, an Interactive Voice Response (IVR), or a 3G network, wherein said IVR is one of a YES/NO response, or a designated key associated with said mobile communication device and said secondary mobile communication device.

20. The mobile communication device of claim 17, wherein said transaction is one of a face to face transaction or a non face to face transaction, said transaction is at least one of a credit card transaction or a debit card transaction with an ATM.