Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.

Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.

Abstract: Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure.

Abstract: The present invention discloses a method for enabling a secure data transfer comprising verifying the identity of a user having a payment device and a personal communication device; generating a payment token associated with the payment device of the user; generating a merchant device token associated with a merchant and linked to the personal communication device of the user; and processing a transaction between the user and the merchant using the payment token and the merchant device token.

Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

Abstract: The present disclosure relates to a computer-implemented method and to a system for authenticating a transaction over a secure network. The method comprises, prior to authorization of a transaction: receiving, by a digital service server, from a merchant plug-in (MPI) computing device, via a directory server, a token and a first cryptogram for the transaction; decrypting, by the digital service server, the token into sensitive data; generating, by the digital service server, a first message including a validation result and the sensitive data; and transmitting, by the digital service server, the first message to an issuer server to authenticate the transaction.

Abstract: The present disclosure relates to a computer-implemented method for authenticating a transaction over a secure network. The method comprises receiving, by a first authentication server, a sensitive data payload and a cryptogram, wherein the first authentication server is configured to either receive or generate a token associated with the sensitive data payload; transmitting, by the first authentication server, the token and the cryptogram to a second authentication server, wherein the second authentication server is configured to validate the token and the cryptogram and generate a first message including a validation result; transmitting, by the second authentication server, the first message to an issuer server to authenticate the transaction; and reviewing, by the issuer server, the validation result and generating an authentication value including a validation flag based on the review of the validation result.

Abstract: The invention provides an authentication technique that involves provision of a new authentication credential for each authentication attempt. The requestor of the new authentication credential is required to provide a previous authentication credential in order to successfully receive the new authentication credential. The previous authentication credential has however been de-authorised so it cannot be used to authenticate the requestor, only to successfully obtain a new authentication credential. The requestor then authenticates using the new authentication credential. The cycle is repeated for as many repeat authentication attempts as are made by the requestor.

Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.

Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.

Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.

Abstract: The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.

Abstract: The present disclosure relates to a computer-implemented method for authenticating a transaction over a secure network. The method comprises receiving, by a first authentication server, a sensitive data payload and a cryptogram, wherein the first authentication server is configured to either receive or generate a token associated with the sensitive data payload; transmitting, by the first authentication server, the token and the cryptogram to a second authentication server, wherein the second authentication server is configured to validate the token and the cryptogram and generate a first message including a validation result; transmitting, by the second authentication server, the first message to an issuer server to authenticate the transaction; and reviewing, by the issuer server, the validation result and generating an authentication value including a validation flag based on the review of the validation result.

Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

Abstract: The invention provides an authentication technique that involves provision of a new authentication credential for each authentication attempt. The requestor of the new authentication credential is required to provide a previous authentication credential in order to successfully receive the new authentication credential. The previous authentication credential has however been de-authorised so it cannot be used to authenticate the requestor, only to successfully obtain a new authentication credential. The requestor then authenticates using the new authentication credential. The cycle is repeated for as many repeat authentication attempts as are made by the requestor.

Abstract: A method includes pre-authorizing a token entry at a payment gateway. The token entry is represented by a token. A transaction request is received at the payment gateway. The request is from a merchant and includes the payment token. The transaction request is related to an e-commerce transaction involving the merchant. The payment gateway responds to the payment request by authorizing the e-commerce transaction. The e-commerce transaction is charged to the token entry at the payment gateway.

Abstract: Provided are systems and methods for generating a child token for a digital wallet. In one example, the method may include receiving a request to generate an additional token from a mobile device, identifying a parent token previously issued to the mobile device and comprising a non-sensitive tokenization element linked to a payment credential at a tokenization platform, generating a child token of the parent token at the tokenization platform, the child token including a different non-sensitive tokenization element than the non-sensitive tokenization element of the parent token and being linked to the parent token at the tokenization server, and transmitting the child token to a receiving device. The child token and the parent token can be processed at the same time in different payment transactions while being linked to the same payment card.

Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.

Abstract: The present disclosure generally relates to an electronic system and computerized method for processing payment of transactions. In various embodiments, there is a payment network server for processing payment of transactions between a consumer and a merchant. The payment network server comprises a tokenization request module, an authorization module, a token management module, and a communication module.

Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.