System, methods and computer program products for identity authentication for electronic payment transactions

System, methods and computer program products for identity authentication for electronic payment transactions

The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name a...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Gurunathan, Arunmurthy, Pareek, Ravi
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server.