MOBILE ACCOUNT AUTHENTICATION SERVICE

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 cardho...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser:	SPIELMAN, TERENCE, RENO, JAMES, DONALD, CAILLON, PASCAL, ACHILLE, SPIELMAN, JASON, ROTH, JANET, T, MANESSIS, THOMAS, J, DOMINGUEZ, BENEDICTO, H
Format:	Patent
Sprache:	eng ; fre ; ger
Schlagworte:	ADVERTISING CALCULATING CHECKING-DEVICES CODING OR CIPHERING APPARATUS FOR CRYPTOGRAPHIC OR OTHERPURPOSES INVOLVING THE NEED FOR SECRECY COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING CRYPTOGRAPHY DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES DISPLAY EDUCATION ELECTRIC COMMUNICATION TECHNIQUE ELECTRIC DIGITAL DATA PROCESSING ELECTRICITY PHYSICS SEALS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION
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Beschreibung
Zusammenfassung:	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.