The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 19, 2017
Filed:
Nov. 12, 2009
Benedicto H. Dominguez, San Bruno, CA (US);
Thomas J. Manessis, Pacifica, CA (US);
Janet T. Roth, Oakland, CA (US);
Pascal Achille Caillon, San Francisco, CA (US);
Jason Spielman, Austin, TX (US);
Terence Spielman, Austin, TX (US);
James Donald Reno, Scotts Valley, CA (US);
Benedicto H. Dominguez, San Bruno, CA (US);
Thomas J. Manessis, Pacifica, CA (US);
Janet T. Roth, Oakland, CA (US);
Pascal Achille Caillon, San Francisco, CA (US);
Jason Spielman, Austin, TX (US);
Terence Spielman, Austin, TX (US);
James Donald Reno, Scotts Valley, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.