Providing online cardholder authentication services on-behalf-of issuers
US10891622B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 29, 2015 |
| Grant date | Jan 12, 2021 |
| Priority date | — |
| Expiry date | Jan 26, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/401
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.