发明名称 |
A universal and interoperable system and method utlizing a universal cardholder authentication field (UCAF) for authentication data collection and validation. |
摘要 |
A method is provided for conducting a financial transaction by a consumer over a communication network and involving a payment network having an issuer for authorizing the transaction based on standard authorization criteria including transaction data and based on a positive authentication of the consumer. The method comprises: utilizing one of a plurality of authentication mechanisms for providing the consumer cardholder authentication data; utilizing a universal cardholder authentication field for transmitting to a merchant the cardholder authentication data regardless of the authentication mechanism utilized; generating an authorization request including the cardholder authentication data and forwarding that request over the payment network for verification by the issuer. |
申请公布号 |
ZA200302910(B) |
申请公布日期 |
2004.04.28 |
申请号 |
ZA20030002910 |
申请日期 |
2003.04.14 |
申请人 |
MASTERCARD INTERNATIONAL INCORPORATED |
发明人 |
ARTHUR D KRANZLEY;STEPHEN W ORFEI;BRUCE J. RUTHERFORD |
分类号 |
G06F21/20;G06Q20/00;G06Q30/00;G07F7/08;H04L9/14;H04L9/32 |
主分类号 |
G06F21/20 |
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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