发明名称 |
Online 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 the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. 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. A chip card and the authentication service independently generate cryptograms to 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 |
US2002194138(A1) |
申请公布日期 |
2002.12.19 |
申请号 |
US20020156271 |
申请日期 |
2002.05.24 |
申请人 |
VISA INTERNATIONAL SERVICE ASSOCIATION A DELAWARE CORPORATION |
发明人 |
DOMINGUEZ BENEDICTO H.;MANESSIS THOMAS J. |
分类号 |
G07F7/12;G06K17/00;G06Q20/00;G06Q40/00;G06Q50/00;G07F7/10;(IPC1-7):G06F17/60 |
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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