Methods and systems for verifying cardholder authenticity when provisioning a token
US10460322B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 29, 2014 |
| Grant date | Oct 29, 2019 |
| Priority date | — |
| Expiry date | Oct 4, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4097
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented method for verifying cardholder authenticity when provisioning a token is provided. The method uses an authentication server system having a processor and a memory. The method includes receiving, by the processor, a payment card account identifier provided by a payment requestor. The payment card account identifier for identifying a payment account associated with a cardholder. The method also includes determining a plurality of authentication data associated with the payment requestor, and performing an authentication process using the plurality of authentication data. The authentication process is configured to determine if the payment requestor is the cardholder. The method further includes determining an assurance level associated with the authentication process. The assurance level represents a level of confidence in the authentication process. Moreover, the method includes generating a token for the payment account, and storing the token with the payment card account identifier and the assurance level.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.