发明名称 |
Mobile account authentication service |
摘要 |
A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described. |
申请公布号 |
US2003200184(A1) |
申请公布日期 |
2003.10.23 |
申请号 |
US20030370149 |
申请日期 |
2003.02.19 |
申请人 |
VISA INTERNATIONAL SERVICE ASSOCIATION |
发明人 |
DOMINGUEZ BENEDICTO H.;MANESSIS THOMAS J.;ROTH JANET T.;CAILLON PASCAL ACHILLE;SPIELMAN JASON;SPIELMAN TERENCE;RENO JAMES DONALD |
分类号 |
G06Q10/00;G06F21/20;G06Q20/00;G06Q50/00;G07F7/10;G09C1/00;H04L29/06;(IPC1-7):G06F17/60 |
主分类号 |
G06Q10/00 |
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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