ONLINE TRANSACTION VERIFICATION SYSTEM

摘要

According to one embodiment, an online transaction verification system includes one or more processors configured to receive an indication that a card user is attempting to perform an online transaction using payment card information. The processors are also configured to transmit a challenge code configured to interrogate a card user identification device for a first verification code, and to receive the first verification code. The first verification code is selected, by the card user identification device, from a plurality of verification codes, and according to a predefined manner. The processors are further configured to select a first comparison code according to the predefined manner, and compare the first comparison code to the first verification code. The processors are further configured to, following a determination that the first comparison code matches the first verification code, transmit a verification signal configured to indicate that the online transaction has been verified.

主权项

1. An online transaction verification system, comprising:
one or more memory units configured to:
store one or more instructions; andstore a plurality of comparison codes; and one or more processors coupled to the memory units and configured, upon executing the one or more instructions, to:
receive an indication that a card user is attempting to perform an online transaction using payment card information and a transaction device, the transaction device being communicatively coupled to a merchant device with which the card user is attempting to perform the online transaction;following reception of the indication, transmit a challenge code configured to interrogate a card user identification device for a first verification code, wherein the challenge code is received by a card user verification device communicatively coupled to the transaction device, wherein the challenge code is re-transmitted from the card user verification device to the card user identification device;following transmittal of the challenge code, receive the first verification code from the card user identification device, wherein the first verification code is selected, by the card user identification device, from a plurality of verification codes stored by the card user identification device, wherein the first verification code is selected, by the card user identification device, according to a first manner of selection;select a first comparison code from the plurality of comparison codes according to the first manner of selection;compare the first comparison code to the first verification code from the card user identification device; andfollowing a determination that the first comparison code matches the first verification code, transmit a verification signal configured to indicate that the online transaction has been verified.