BEGLAUBIGUNGSVERFAHREN FÜR ÜBERWEISUNGEN GEGEN BETRÜGERISCHES AUFLADEN

摘要

A dynamic authentication process having multiple tiers of validation. A first tier of validation authenticates the credit transaction based upon static personal identification numbers. If this first tier of validation is satisfied, a threshold determination is made as to whether a secondary tier of validation is required. These thresholds are defined by either the service provider or the card holder to address the additional costs of a second tier of validation.