发明名称 |
Online payer authentication service |
摘要 |
A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder. |
申请公布号 |
EP2278538(A1) |
申请公布日期 |
2011.01.26 |
申请号 |
EP20100180711 |
申请日期 |
2001.04.24 |
申请人 |
VISA INTERNATIONAL SERVICE ASSOCIATION |
发明人 |
WELLER, KEVIN D;RYAN, STEPHEN W;HILL, PETER R;MANESSIS, THOMAS J;LEWIS, TONY D;DOMINGUEZ, BENEDICTO H;BRAY, PETER |
分类号 |
G07F7/12;G06K17/00;G06Q20/02;G06Q20/04;G06Q20/08;G06Q20/12;G06Q20/34;G06Q20/36;G06Q20/38;G06Q20/40;G07F7/10 |
主分类号 |
G07F7/12 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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