Online payer authentication service
A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only s...
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| creator | WELLER KEVIN D RYAN STEPHEN W MANESSIS THOMAS J DOMINGUEZ BENEDICTO H HILL PETER R LEWIS TONY D BRAY PETER RENO JAMES DONALD |
| description | A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder. |
| format | Patent |
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The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.</description><language>eng</language><subject>CALCULATING ; CHECKING-DEVICES ; COIN-FREED OR LIKE APPARATUS ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; HANDLING RECORD CARRIERS ; PHYSICS ; PRESENTATION OF DATA ; RECOGNITION OF DATA ; RECORD CARRIERS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2011</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20110802&DB=EPODOC&CC=US&NR=7991701B2$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,780,885,25564,76547</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20110802&DB=EPODOC&CC=US&NR=7991701B2$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>WELLER KEVIN D</creatorcontrib><creatorcontrib>RYAN STEPHEN W</creatorcontrib><creatorcontrib>MANESSIS THOMAS J</creatorcontrib><creatorcontrib>DOMINGUEZ BENEDICTO H</creatorcontrib><creatorcontrib>HILL PETER R</creatorcontrib><creatorcontrib>LEWIS TONY D</creatorcontrib><creatorcontrib>BRAY PETER</creatorcontrib><creatorcontrib>RENO JAMES DONALD</creatorcontrib><title>Online payer authentication service</title><description>A payment authentication service authenticates the identity of a payer during online transactions. 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In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.</description><subject>CALCULATING</subject><subject>CHECKING-DEVICES</subject><subject>COIN-FREED OR LIKE APPARATUS</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>HANDLING RECORD CARRIERS</subject><subject>PHYSICS</subject><subject>PRESENTATION OF DATA</subject><subject>RECOGNITION OF DATA</subject><subject>RECORD CARRIERS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2011</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZFD2z8vJzEtVKEisTC1SSCwtyUjNK8lMTizJzM9TKE4tKstMTuVhYE1LzClO5YXS3AwKbq4hzh66qQX58anFBYnJqXmpJfGhweaWlobmBoZORsZEKAEAwIAmlw</recordid><startdate>20110802</startdate><enddate>20110802</enddate><creator>WELLER KEVIN D</creator><creator>RYAN STEPHEN W</creator><creator>MANESSIS THOMAS J</creator><creator>DOMINGUEZ BENEDICTO H</creator><creator>HILL PETER R</creator><creator>LEWIS TONY D</creator><creator>BRAY PETER</creator><creator>RENO JAMES DONALD</creator><scope>EVB</scope></search><sort><creationdate>20110802</creationdate><title>Online payer authentication service</title><author>WELLER KEVIN D ; RYAN STEPHEN W ; MANESSIS THOMAS J ; DOMINGUEZ BENEDICTO H ; HILL PETER R ; LEWIS TONY D ; BRAY PETER ; RENO JAMES DONALD</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_US7991701B23</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>eng</language><creationdate>2011</creationdate><topic>CALCULATING</topic><topic>CHECKING-DEVICES</topic><topic>COIN-FREED OR LIKE APPARATUS</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>HANDLING RECORD CARRIERS</topic><topic>PHYSICS</topic><topic>PRESENTATION OF DATA</topic><topic>RECOGNITION OF DATA</topic><topic>RECORD CARRIERS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>WELLER KEVIN D</creatorcontrib><creatorcontrib>RYAN STEPHEN W</creatorcontrib><creatorcontrib>MANESSIS THOMAS J</creatorcontrib><creatorcontrib>DOMINGUEZ BENEDICTO H</creatorcontrib><creatorcontrib>HILL PETER R</creatorcontrib><creatorcontrib>LEWIS TONY D</creatorcontrib><creatorcontrib>BRAY PETER</creatorcontrib><creatorcontrib>RENO JAMES DONALD</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>WELLER KEVIN D</au><au>RYAN STEPHEN W</au><au>MANESSIS THOMAS J</au><au>DOMINGUEZ BENEDICTO H</au><au>HILL PETER R</au><au>LEWIS TONY D</au><au>BRAY PETER</au><au>RENO JAMES DONALD</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Online payer authentication service</title><date>2011-08-02</date><risdate>2011</risdate><abstract>A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING CHECKING-DEVICES COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES HANDLING RECORD CARRIERS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | Online payer authentication service |
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