First Data Corporation

Robert A Freisheim, Jr

Vijay Kumar Royyuru

Jean M Sindaco

Craig E Conway

Daniel J Ruppe

Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer.

Management of financial transactions using debit networks

Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information.

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Media, PA, United States of America

Robert A Freisheim, Jr