Consumer authentication system and method

US10089624B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Ayman Hammad · Pleasanton, US
• Patrick Faith · Pleasanton, US
• Mark Carlson · Rue de l'Église, US

Key dates

• Filing date: Jan 17, 2012
• Grant date: Oct 2, 2018
• Expiry date: Jun 10, 2035

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/56
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.