Visa International Service Association

Other

Visa Intellectual Service Association

Benedicto Dominguez

Thomas Manessis

Kevin D Weller

James Donald Reno

Ayman A Hammad

Patrick L Faith

Krishna Prasad Koganti

Ben Rewis

Brendan Xavier Louis

Janet T Roth

Douglas Fisher

James Dimmick

Olivier Brand

Mike Lindelsee

Tony D Lewis

Timothy Mu-chu Lee

Sandra Salvatori

Stephen W Ryan

Peter R Hill

Peter Bray

Melody L Rutherford

Terence Paul Spielman

Jason Spielman

Pascal Achille Caillon

Liane Redford

Trudy Hill

Philippe Levy

Julie Chan

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.

Secure authentication system and method

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

Techniques for authenticating the identity and validating the profile of an individual ('a presenter') who presents him or herself to another party ('an acceptor') as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

Data authentication and provisioning method and system

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service 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. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.

Online account authentication service

A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.

Fraud reduction system for transactions

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.

A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and, if the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant's website.

Method and system for processing internet purchase transactions

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.

Account authentication service with chip card

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a verification token is associated with a computer and can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

Mobile account authentication service

A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.

Token based transaction authentication

The method for authenticating a mail order or telephone order transaction according to the present invention includes receiving authentication information from a cardholder, providing authentication information to an issuer, and determining whether the authentication information is valid. If the authentication information is valid, the issuer informs the merchant that the transaction is valid. In an embodiment, the issuer may not supply a personal assurance message and/or other confidential cardholder information previously supplied by the cardholder in response to the authentication information.

Growing community of inventors

San Bruno, CA, United States of America

Benedicto Dominguez