Authentication arrangement and method for use with financial transaction

摘要

A system and method for generating an authentication token which is used by an issuer associated with a integrated circuit card to authenticate a transaction. A personal card reader receives data, including an authentication cryptogram, from the integrated circuit card. The personal card reader uses the data received from the integrated circuit card to select one of at least two default bitmaps stored in a memory portion of the personal card reader. The personal card reader uses the selected default bitmap and the authentication cryptogram to build the authentication token.

主权项

1. A method for authenticating a transaction using an authentication token generated by a personal card reader, the method comprising:
requesting data from an integrated circuit card (ICC); receiving a response from said ICC, said response comprising an authentication cryptogram; storing at least two default bitmaps in a memory portion of said personal card reader prior to said receiving a response from said ICC during said transaction; selecting one of said at least two default bitmaps using a bitmap selection mechanism; building, by said personal card reader, said authentication token using said selected default bitmap and said authentication cryptogram; and communicating said authentication token to a third party, wherein an issuer associated with said ICC uses at least a part of said authentication token to authenticate said transaction.