VARIABLE AUTHENTICATION PROCESS AND SYSTEM

摘要

Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

主权项

1. A method comprising:
receiving, at a server computer and during a transaction that uses an account of a user, a personal identifier verification request message from an authentication computer, wherein the personal identifier verification request message comprises a personal identifier of the user; in response to receiving the personal identifier authentication request message, determining, by the server computer, a personal identification authentication process to perform, wherein the personal identification authentication process is one of a plurality of personal identification authentication processes; and performing, by the server computer, the personal identification authentication process.