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 (110) identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a...

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Bibliographische Detailangaben
Hauptverfasser:	CAILLON PASCAL ACHILLE, SPIELMAN JASON, MANESSIS THOMAS J, ROTH JANET T, DOMINGUEZ BENEDICTO H, SPIELMAN TERENCE, RENO JAMES DONALD
Format:	Patent
Sprache:	eng ; kor
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 (110) identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder (110) during an online transaction involves querying an access control server to determine if a cardholder (110) is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's (110) authenticity has been verified. Systems for imp lementing the authentication service in which a cardholder (110) uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder (110) uses a mobile device capable of transmitting messages through voice and messaging channels is also described.