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:
Jan. 09, 2018
Filed:
Apr. 06, 2009
Kevin D. Weller, San Francisco, CA (US);
Stephen W. Ryan, Half Moon Bay, CA (US);
Peter R. Hill, Montecito, CA (US);
Thomas J. Manessis, Pacifica, CA (US);
Tony D. Lewis, Castro Valley, CA (US);
Benedicto H. Dominguez, San Bruno, CA (US);
Peter Bray, Castro Valley, CA (US);
James Donald Reno, Scotts Valley, CA (US);
Liane Redford, Redwood City, CA (US);
Philippe Levy, Belmont, CA (US);
Trudy Hill, Foster City, CA (US);
Kevin D. Weller, San Francisco, CA (US);
Stephen W. Ryan, Half Moon Bay, CA (US);
Peter R. Hill, Montecito, CA (US);
Thomas J. Manessis, Pacifica, CA (US);
Tony D. Lewis, Castro Valley, CA (US);
Benedicto H. Dominguez, San Bruno, CA (US);
Peter Bray, Castro Valley, CA (US);
James Donald Reno, Scotts Valley, CA (US);
Liane Redford, Redwood City, CA (US);
Philippe Levy, Belmont, CA (US);
Trudy Hill, Foster City, 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 of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.