CUSTOMER AUTHENTICATION IN E-COMMERCE TRANSACTIONS

CUSTOMER AUTHENTICATION IN E-COMMERCE TRANSACTIONS

A Chip Authentication Program based on 3- D Secure protocols is provided for authenticating customers' (180) on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers (120) for authenticating transactions by individual customer...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: RUTHERFORD BRUCE, DAGHER ALFRED, RANS JEAN PAUL EDMOND, ATES FIKRET, WIESMAN MARK, WANKMUELLER JOHN, PAIE DIDIER JEAN MARIE CHARLES
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
CHECKING-DEVICES
COIN-FREED OR LIKE APPARATUS
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC DIGITAL DATA PROCESSING
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A Chip Authentication Program based on 3- D Secure protocols is provided for authenticating customers' (180) on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers (120) for authenticating transactions by individual customers (180) who are identified by their personal EMV-complaint smart cards (170). An authentication token is generated at the point of interaction (POI) for each transaction based on information from the customer's smart card (170) and transaction specific information sent directly by the issuer to populate a web page at the POI. Authentication tokens generated at the POI are evaluated by the Authentication Request Server (120) to authenticate individual customer and/or card presence at the transaction POI. Authentication values are transported on-line in designated Universal Cardholder Authentication Fields consistent with 3-D Secure protocols.