Mastercard International Incorporated

Robert Albert Ederle

Christopher John Merz

Brian John Piel

Felix Johannes Flory

Ranjita Shankar Iyer

Julia Sharon Gosset

Mark B Hey

Dennis A Gamiello

Gregory S Kriebaum

Andres Gonzalez

Kris Lowell Donaldson

Brian Piel

An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.

Systems and methods for authenticating online users

A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.

Systems and methods for authenticating online users with an access control server

Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

Systems and methods for linking authentications in connection with network interactions

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Chesterfield, MO, United States of America

Robert Albert Ederle