IP Library › Granted Patent US 10,275,767
Granted Patent B2
US 10,275,767 · App. 14/919,265 · Granted Apr 30, 2019

Method and system for generating cryptograms for validation in a webservice environment

Inventors: Mehdi Collinge (Mont-Sainte-Aldegonde, BE); Patrik Smets (Nijlen, BE)
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
G06Q20/3829G06Q20/00G06Q20/382G06Q20/3823H04L63/083H04L63/062H04L2463/061
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 10,275,767
App. No.
14/919,265
Granted
Apr 30, 2019
Kind
B2
Abstract

A method for generating cryptograms in a webservice environment includes: receiving, in a first environment of a computing system, a credential request transmitted by an external computing device using a secure communication protocol, the credential request including a transaction identifier and account identifier; transmitting, by the first environment, a data request to a second environment of the computing system, the data request including the account identifier; receiving, by the first environment, an account profile and session key from the second environment; transmitting, by the first environment, a cryptogram request to a third environment of the computing system, the cryptogram request including the account profile and session key; receiving, by the first environment, a cryptogram from the third environment generated using the account profile and session key; and transmitting, by the first environment, the cryptogram and transaction identifier to the external computing device via the secure communication protocol.

Claims (29)

1. A method for generating cryptograms in a webservice environment, comprising:

receiving, by a receiving device in a first environment of a computing system, a data signal superimposed with a credential request including at least a transaction identifier and an account identifier;

transmitting, by a transmitting device in the first environment of the computing system, a data request including at least the account identifier to a second environment of the computing system;

identifying, by the second environment of the computing system, at least an account profile and a session key using the account identifier;

receiving, by the receiving device in the first environment of the computing system, at least an account profile and a session key from the second environment of the computing system;

requesting, by the transmitting device in the first environment of the computing system, a cryptogram from a third environment of the computing system by transmitting at least the account profile and one of:

the session key or a secondary key to the third environment of the computing system;

generating, by the third environment of the computing system, a cryptogram using at least the account profile and the session key or the secondary key;

receiving, by the receiving device in the first environment of the computing system, the cryptogram from the third environment of the computing system; and

transmitting, by the transmitting device the first environment of the computing system, a data signal with credential data including at least the cryptogram and the transaction identifier to the external computing device using the secure communication protocol.

2. The method of claim 1 , wherein the transaction identifier is an unpredictable number generated by the external computing device.

3. The method of claim 1 , wherein receiving the account profile and session key from the second environment of the computing system comprises:

receiving, by the first environment of the computing system, the account profile from the second environment of the computing system;

transmitting, by the first environment of the computing system, a second data request to the second environment of the computing system; and

receiving, by the first environment of the computing system, the session key from the second environment of the computing system.

4. The method of claim 1 , further comprising: accessing, by a querying module of the first environment of the computing system, a set of application keys;

deriving, by a deriving module of the first environment of the computing system, an application session key based on application of one or more algorithms to the accessed set of application keys; and

validating, by a validating module of the first environment of the computing system, the received account profile and session key using the derived application session key.

5. The method of claim 4 , wherein the set of application keys are stored in a memory of the first environment of the computing system.

6. The method of claim 4 , wherein the set of application keys are stored in a memory of the second environment of the computing system.

7. The method of claim 1 , wherein the credential request further includes transaction data.

8. The method of claim 7 , further comprising:

converting, by the first environment of the computing device, the transaction data into modified transaction data based on one or more data transformation rules, wherein

the cryptogram request further includes the modified transaction data, and

the cryptogram is further generated using the modified transaction data.

9. The method of claim 8 , wherein the modified transaction data indicates a format of the cryptogram.

10. The method of claim 1 ,

determining, by the third environment of the computing device, that the cryptogram was generated; and

based on a determination, by the third environment of the computing device, that the cryptogram was generated, deleting the account profile and session key or secondary key.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 1, 2016
From: COLLINGE, MEHDI; SMETS, PATRIK
To: MASTERCARD INTERNATIONAL INCORPORATED
Reel/Frame 038167/0979 →
Continuity (2)
Provisional Application 62066553 · Oct 21, 2014
Related Publication 20160110711A1 · Apr 21, 2016