Secure channel payment processing system and method

The present invention relates to a method and system for performing fraud screening and choosing whether to accept or deny a transaction within any channel. The system may facilitate the fraud screening processing for the case where this channel is the offline card not present 5 channel, which may be utilized for call center transactions. The system may include a server that receives a transaction request and performs a first fraud screening based on transaction information of the requested transaction. The server may further determine which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather more information before issuing a final response. The information gathering may be an authentication method only usable in another channel (online channel or offline card present channel). The server may create an asynchronous payment, which secures the reservation of the good, while allowing performing the new channel authentication at a later time. Depending on the information gathering results, the server further determines which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather information a second time before issuing a final response. This second information gathering may be a manual review. The system may provide for the selecting an operation flow based on the transaction information. User input a voice transaction request Call center receives the voice transaction request Payment server receives the transaction request Payment server checks whether the payment instrument is enrolled in an authentication program Rejects the transaction Payment server performs a 460 fraud screen Accepts the transaction 4t 470 Request more information FIG. 2(A)