• Patent Title: Method for authenticating transactions
  • Application No.: US14915413
    Application Date: 2014-09-01
  • Publication No.: US10579987B2
    Publication 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
Method for authenticating transactions
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.
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