UTILIZING ENHANCED CARDHOLDER AUTHENTICATION TOKEN

摘要

Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (MPI) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (AAV) from an issuer access control server (ACS). The MPI application then transmits a purchase transaction authorization request message to a payment gateway that includes the enhanced AAV, and receives a purchase transaction authorization response. The merchant server computer displays the purchase transaction authorization response on a merchant webpage and stores it along with the enhanced AAV in association with the cardholder data in an MPI database.

主权项

1. A method for authorizing an online purchase transaction, comprising:
receiving, by a merchant plug-in (MPI) application of a merchant server computer from an issuer access control server (ACS) during an online transaction, a cardholder authentication message comprising an enhanced accountholder authentication variable (AAV) indicative of a type of cardholder authentication; transmitting, by the MPI application to a payment gateway, a purchase transaction authorization request message including cardholder data, purchase transaction data and the enhanced AAV; receiving, by the MPI application from the payment gateway, a purchase transaction authorization response message, wherein the purchase transaction authorization response message comprises one of a transaction authorization message or a transaction denied message; displaying, by the merchant server computer on a merchant webpage, the purchase transaction authorization response message; and storing, by the MPI application in an MPI database, the purchase transaction authorization response message and the enhanced AAV in association with the cardholder data.