Intelligent authentication

US11138607B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Greg Trifiletti · Saratoga, US
• Olivier Brand · Walnut Creek, US
• Mike Lindelsee · South Lake Tahoe, US
• James Dimmick · Foster City, US
• Dave Wentker · San Francisco, US

Key dates

• Filing date: Sep 18, 2017
• Grant date: Oct 5, 2021
• Expiry date: Nov 13, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/409
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.