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.
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申请公布号 |
US2008301056(A1) |
申请公布日期 |
2008.12.04 |
申请号 |
US20080034606 |
申请日期 |
2008.02.20 |
申请人 |
WELLER KEVIN D;RYAN STEPHEN W;HILL PETER R;MANESSIS THOMAS J;LEWIS TONY D;DOMINGUEZ BENEDICTO H;BRAY PETER |
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;H04L9/32;G06K17/00;G06Q20/00;G06Q40/00;G06Q50/00;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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