Method of authenticating a payment account user

摘要

In the method of authenticating a payment account user, payment account information indicating the payment account of a user and a purchase amount is received. Then a first authentication scheme is performed to authenticate the user as a valid user of the payment account if the purchase amount is below a predetermined threshold. Or, a second authentication scheme is performed to authenticate the user as a valid user of the payment account if the purchase amount is above the predetermined threshold.