Account authentication service with chip card

US9864993B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Kevin Weller · San Anselmo, US
• Stephen W. Ryan · Rue de l'Église, US
• Peter R. Hill · Montecito, US
• Thomas Manessis · Pacifica, US
• Tony D. Lewis · Castro Valley, US
• Benedicto H. Dominguez · San Bruno, US
• Peter Bray · Castro Valley, US
• James Donald Reno · Scotts Valley, US
• Liane Redford · San Mateo, US
• Philippe Levy · Belmont, US
• Trudy Hill · Foster City, US

Key dates

• Filing date: Apr 6, 2009
• Grant date: Jan 9, 2018
• Expiry date: Oct 26, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1016
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.