Enhancements to transaction processing in a secure environment using a merchant computer
US10909539B2 · kind B2 · utility
5Cited by
7References
11Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Oct 29, 2014 |
| Grant date | Feb 2, 2021 |
| Priority date | — |
| Expiry date | May 28, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/425
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.