US 11,682,021 B2
Enhanced security for transaction requests utilizing automatic source identification
Robert J. Cole, Maysville, GA (US); Mary Januszka, Woodstock, GA (US); Alan Todd Blackburn, Dawsonville, GA (US); John J. Petrizzo, Marietta, GA (US); Robert J. Seitz, Lilburn, GA (US); Tim Seligman, Coral Springs, GA (US); and Eric Stormo, Coral Springs, GA (US)
Assigned to FIRST DATA CORPORATION, Brookfield, WI (US)
Filed by First Data Corporation, Brookfield, WI (US)
Filed on Apr. 13, 2022, as Appl. No. 17/719,901.
Application 17/719,901 is a continuation of application No. 16/191,819, filed on Nov. 15, 2018, granted, now 11,328,300.
Claims priority of provisional application 62/587,287, filed on Nov. 16, 2017.
Prior Publication US 2022/0237622 A1, Jul. 28, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/16 (2012.01); G06Q 20/20 (2012.01); G06F 16/903 (2019.01); G06F 16/24 (2019.01)
CPC G06Q 20/4016 (2013.01) [G06F 16/24 (2019.01); G06F 16/90335 (2019.01); G06Q 20/16 (2013.01); G06Q 20/202 (2013.01)] 21 Claims
OG exemplary drawing
 
15. A method comprising:
receiving, from a point of sale device, a transaction request having a header and a first transaction level identifier;
extracting source identification information from the header upon determining the header comprises the source identification information;
generating an internal message comprising the source identification information;
identifying a source sender and a first source sender information based on the internal message;
generating a second transaction level identifier, the generating comprising:
identifying a seed value based on the transaction request and a shared secret with the point of sale device;
generating a code based on the seed value; and
hashing the code to generate the second transaction level identifier; and
determining an approval status of the transaction request by:
declining the transaction request based on a determination that the first source sender information does not match a second source sender information;
declining the transaction request based on a determination that the first transaction level identifier does not match the second transaction level identifier; or
approving the transaction request based at least in part on a determination that the first source sender information matches the second source sender information and a determination that the first transaction level identifier matches the second transaction level identifier.