SYSTEM AND METHOD FOR AUTHORIZING A FINANCIAL TRANSACTION

摘要

A method of authorizing a financial transaction involves a payment terminal receiving, from a payment card interfaced with the payment terminal, application data in response to a predetermined authorization amount provided to the payment card by the payment terminal. The application data comprises an account number uniquely associated with the payment card. The payment terminal generates an adjusted authorization amount based on the account number and from a preliminary authorization amount received at the payment terminal, provides the payment card with the adjusted authorization amount, receives a cryptogram from the payment card in response, and provides notification of authorization of a financial transaction for the adjusted authorization amount in accordance with a confirmation that the cryptogram received at the payment terminal from the payment card was generated by the payment card from the adjusted authorization amount and from a cryptographic key uniquely associated with the payment card.

主权项

1. A method of authorizing a financial transaction comprising:
a payment terminal receiving, from a payment card interfaced with the payment terminal, application data in response to a predetermined authorization amount provided to the payment card by the payment terminal, the application data comprising an account number uniquely associated with the payment card; the payment terminal generating an adjusted authorization amount based on the account number and from a preliminary authorization amount received at the payment terminal; the payment terminal providing the payment card with the adjusted authorization amount, and receiving a cryptogram from the payment card in response; and the payment terminal providing notification of authorization of a financial transaction for the adjusted authorization amount in accordance with a confirmation that the cryptogram received at the payment terminal from the payment card was generated by the payment card from the adjusted authorization amount and a cryptographic key uniquely associated with the payment card.