METHOD AND SYSTEM FOR SECURE CONSUMER IDENTIFICATION

摘要

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

主权项

1. A computer-implemented method, the method comprising:
receiving an authorization request associated with a transaction, the authorization request including transaction details of at least a payment account number (PAN) and a consumer identification (CID) value, the CID uniquely identifying a user; storing the PAN and the CID in a memory; determining the transaction details are to be processed as at least a non-financial transaction; and processing, in response to the determination that the transaction details are to be processed as at least a non-financial transaction, the transaction details based on the CID without using the PAN.