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 identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardho...
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| creator | Spielman Jason Spielman Terence Caillon Pascal Achille Reno James Donald Dominguez Benedicto H Roth Janet T Manessis Thomas J |
| description | 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 identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described. |
| format | Patent |
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The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.</description><language>eng</language><subject>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</subject><creationdate>2017</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=20170919&DB=EPODOC&CC=US&NR=9769134B2$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,780,885,25564,76547</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20170919&DB=EPODOC&CC=US&NR=9769134B2$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>Spielman Jason</creatorcontrib><creatorcontrib>Spielman Terence</creatorcontrib><creatorcontrib>Caillon Pascal Achille</creatorcontrib><creatorcontrib>Reno James Donald</creatorcontrib><creatorcontrib>Dominguez Benedicto H</creatorcontrib><creatorcontrib>Roth Janet T</creatorcontrib><creatorcontrib>Manessis Thomas J</creatorcontrib><title>Mobile account authentication service</title><description>A payment authentication service authenticates the identity of a payer during online transactions. 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| language | eng |
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| subjects | 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 |
| title | Mobile account authentication service |
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