Mastercard Incorporated
SYSTEM AND METHOD TO SECURE PAYMENT TRANSACTIONS

Abstract:

The disclosure includes systems and methods for authenticating a user with a one-time password having a one-time password offset parameter. The system receives a transaction authorization request message that includes a payment card identifier. A database is searched using the payment card identifier. The system retrieves contact details for a cardholder from the database. The system generates a one-time password and transmits the generated one-time password to the cardholder using the contact details. The system also receives a calculated one-time password response from the cardholder. The system retrieves a rule for producing the calculated one-time password response and a one-time password offset parameter from the database. A test one-time password is produced from the one-time password offset parameter based on the retrieved rule. The calculated one-time password response is compared to the test one-time password, and the calculated one-time password response value is authenticated based on a match.