Adaptive authentication options

US10748147B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Kim Steele · Aldie, US
• Mike Yakel · Charlotte, US
• Kevin Weller · San Anselmo, US
• Patrick Faith · Pleasanton, US
• Lori D. Van Deloo · Los Altos, US

Key dates

• Filing date: Jun 3, 2019
• Grant date: Aug 18, 2020
• Expiry date: Jun 3, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1008
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.