发明名称 |
A UNIVERSAL AND INTEROPERABLE SYSTEM AND METHOD UTILIZING 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.
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申请公布号 |
WO0227631(A2) |
申请公布日期 |
2002.04.04 |
申请号 |
WO2001US42319 |
申请日期 |
2001.09.26 |
申请人 |
MASTERCARD INTERNATIONAL INCORPORATED |
发明人 |
KRANZLEY, ARTHUR, D.;ORFEI, STEPHEN, W.;RUTHERFORD, BRUCE, J. |
分类号 |
G06F21/20;G06Q20/00;G06Q30/00;G07F7/08;H04L9/14;H04L9/32;(IPC1-7):G06F17/60 |
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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