Block, Inc.

Kate Fitch

Paul Abraham Botros

Storing, in a database associated with an issuer, an association between a device identifier of a device of a user and a card identifier of a physical payment card of the user; receiving, by the issuer from a point-of-sale (POS) device via a card network, a request to authorize use of the payment card, the request including the card network and card identifier and generated responsive to interaction between the POS device and the payment card; determining, utilizing the card identifier, that an issuer application has been installed on the device; determining, based on the application being installed and the type of the payment card, a cardholder verification method (CVM) for verifying the payment card, wherein the CVM differs from a default CVM for the card network; and based on determining the CVM, sending, to the POS device, a request for input according to the CVM.

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San Francisco, CA, United States of America

Kate Fitch