Visa International Service Association

Greg Trifiletti

James Dimmick

Mike Lindelsee

Olivier Brand

Dave Wentker

Mark Andrew Carlson

Patrick Stan

Surendra Keshan

Lauren White

Joe Mirizzi

John Macllwaine

Prakash Prem Hariramani

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.

Intelligent authentication

Growing community of inventors

Saratoga, CA, United States of America

Greg Trifiletti