UTILIZING ENHANCED CARDHOLDER AUTHENTICATION TOKEN

Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (MPI) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (AAV) from an issue...

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Bibliographische Detailangaben
Hauptverfasser:	LOCK, Sheryl, J, HUBBARD, Steve
Format:	Patent
Sprache:	eng ; fre ; ger
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC COMMUNICATION TECHNIQUE ELECTRICITY PHYSICS 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:	Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (MPI) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (AAV) from an issuer access control server (ACS). The MPI application then transmits a purchase transaction authorization request message to a payment gateway that includes the enhanced AAV, and receives a purchase transaction authorization response. The merchant server computer displays the purchase transaction authorization response on a merchant webpage and stores it along with the enhanced AAV in association with the cardholder data in an MPI database.