Invention Grant
- Patent Title: Method for authenticating transactions
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Application No.: US14915413Application Date: 2014-09-01
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Publication No.: US10579987B2Publication Date: 2020-03-03
- Inventor: Yuexi Chen
- Applicant: GEMALTO SA
- Applicant Address: FR Meudon
- Assignee: Thales Dis France SA
- Current Assignee: Thales Dis France SA
- Current Assignee Address: FR Meudon
- Agency: The Jansson Firm
- Agent Pehr B. Jansson
- Priority: EP13306187 20130830
- International Application: PCT/EP2014/068506 WO 20140901
- International Announcement: WO2015/028664 WO 20150305
- Main IPC: G06Q20/32
- IPC: G06Q20/32 ; G06Q20/40

Abstract:
The present invention generally relates to systems and methods for authenticating transactions through a simplex communication. To allow trusting the transaction with a payment by an image code such QR code, the invention proposes means to authenticate said transaction. For that, when the mobile payment application is loaded into preferably a secure element of the user mobile device a registration process is enabled. During this registration process on a server, an account of the user is created and a set of unpredictable numbers in quantity N is generated. This set of unpredictable numbers is transmitted to the mobile payment application for storage. The payment application uses the stored set of transaction unpredictable numbers for next N times transactions performed by the mobile payment application for transaction cryptogram calculation. The same transaction unpredictable number is recovered in the server side during the transaction authorization process.
Public/Granted literature
- US20160203468A1 METHOD FOR AUTHENTICATING TRANSACTIONS Public/Granted day:2016-07-14
Information query