Visa International Service Association

Ben Dominguez

Douglas Fisher

Julie Chan

Yuexi Chen

Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.

User enhanced authentication system for online purchases

A method for simulating a transaction device is disclosed. A simulation device can be loaded with a predefined set of output messages to send in response to certain input messages, the output messages simulating messages sent by a transaction device. The simulation device can simulate a properly functioning transaction device, as well as a malfunctioning transaction device.

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San Bruno, CA, United States of America

Ben Dominguez