Consumer authentication system and method
First Claim
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1. A method comprising:
- determining a transaction amount and an account number associated with a portable consumer device;
initiating an authorization request message for a transaction, wherein the authorization request message comprises the transaction amount and the account number;
sending the authorization request message to an issuer associated with the portable consumer device, the transaction amount added to payment transaction history of a consumer associated with the account number;
receiving a challenge message, wherein the challenge message is dynamic and wherein the consumer'"'"'s payment transaction history is used to create the challenge message;
initiating a challenge response message, wherein the challenge response message is responsive to the challenge message; and
receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized by the issuer associated with the portable consumer device.
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Abstract
A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
119 Citations
17 Claims
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1. A method comprising:
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determining a transaction amount and an account number associated with a portable consumer device; initiating an authorization request message for a transaction, wherein the authorization request message comprises the transaction amount and the account number; sending the authorization request message to an issuer associated with the portable consumer device, the transaction amount added to payment transaction history of a consumer associated with the account number; receiving a challenge message, wherein the challenge message is dynamic and wherein the consumer'"'"'s payment transaction history is used to create the challenge message; initiating a challenge response message, wherein the challenge response message is responsive to the challenge message; and receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized by the issuer associated with the portable consumer device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A non-transitory computer readable medium comprising code, executable by a processor, to implement a method comprising:
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determining a transaction amount and an account number associated with a portable consumer device; initiating an authorization request message for a transaction, wherein the authorization request message comprises the transaction amount and the account number; sending the authorization request message to an issuer associated with the portable consumer device, the transaction amount added to payment transaction history of a consumer associated with the account number; receiving a challenge message, wherein the challenge message is dynamic and wherein the consumer'"'"'s payment transaction history is used to create the challenge message; initiating a challenge response message, wherein the challenge response message is responsive to the challenge message; and receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized by the issuer associated with the portable consumer device. - View Dependent Claims (16)
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17. An access device comprising:
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a processor; and a non-transitory computer readable medium programmed to perform a method comprising; determining a transaction amount and an account number associated with a portable consumer device; initiating an authorization request message for a transaction, wherein the authorization request message comprises the transaction amount and the account number; sending the authorization request message to an issuer associated with the portable consumer device, the transaction amount added to payment transaction history of a consumer associated with the account number; receiving a challenge message, wherein the challenge message is dynamic and wherein the consumer'"'"'s payment transaction history is used to create the challenge message; initiating a challenge response message, wherein the challenge response message is responsive to the challenge message; and receiving an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized by the issuer associated with the portable consumer device.
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Specification