Abstract

Present disclosure provides a method and system for tap to customer’s own device to authenticate a card and this process is implemented in various use cases such as tap to activate a card, tap to confirm a card, tap to add/provision a card and the like. For instance, the tap to authenticate a card includes sending a request by the user to load new card credentials to wallet operator application that transmits a request to perform a financial activity (eg: provisioning card) including EMV cryptogram to issuer mobile gateway. The issuer mobile gateway requests for the issuance of a token from the token service module. The token service module transmits an authentication request to the chip authentication module. The chip authentication module performs cryptogram authentication to validate the received authentication request and transmits an authentication response to the wallet operator gateway. Therefore, the user receives a notification on whether the requested financial activity was successful or not from the issuer mobile gateway via the wallet operator application, thereby providing a convenient, secure and automatic authentication process through the action of tapping the user’s card on the user mobile phone. Therefore, through tap to authenticate the card, the present disclosure provides greater confidence of possession of the real card prior to provisioning a token to a digital or merchant wallet. Similarly, in multiple other use cases such as tap to confirm, the method of tapping on customer’s own device to authenticate provides greater confidence of possession of the real card prior to providing or continuing to provide services (e.g. additional security factor for an issuer ahead of facilitating a high value wire transfer, or for a merchant to check the credentials stored on file have not been compromised.

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.

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