Amazon Technologies, Inc.

Helmuth Elsner

Artem Pliasunov

Jagan Cheboluraghava

Steven H Reis

Daewoong Ha

Disclosed are various embodiments for determining eligibility for the delegation exemption to strong customer authentication requirements. In one embodiment, a payee entity determines that a payment transaction using a payment instrument issued by a payment issuer is eligible for a delegation exemption from an authentication challenge by the payment issuer based at least in part on a previous authentication challenge by the payment issuer being successfully completed for a previous payment transaction using the payment instrument and a returned payment history associated with the payment instrument. Subsequently, the payee entity generates an alternative authentication challenge that does not involve the payment issuer instead of the authentication challenge by the payment issuer.

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Vancouver, Canada

Helmuth Elsner