Managing activation of cardholders in a secure authentication program

• US 20050029344A1
• Filed: 07/02/2004
• Published: 02/10/2005
• Est. Priority Date: 07/02/2003
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Davis, Steve
• Granted Patent: US 7,007,840 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources

Abstract

Merchants or other third parties can add an activation link on their Internet site. The activation link can be associated with text or an image, for example a logo. The activation link can be presented to cardholders visiting an Internet site prior to the cardholder initiating a transaction. Upon selecting the activation link, a cardholder is redirected to activation site. The activation site can be a generic site intended for any cardholder, or an activation site specifically tailored to the referring site, for example having branding associated with the referring site.

Claims

1. A system for initiating the enrollment of an electronic commerce card in an authentication program, the system comprising:

an initial enrollment website;

an activation link directing a cardholder system to the initial enrollment website; and

an access control server directory including a directory of access control servers, each access control server associated with at least one of a plurality of card issuers;

wherein the initial enrollment website is adapted to receive an enrollment request for an electronic commerce card from the cardholder system, to communicate the enrollment request to the access control server directory, to receive enrollment information from the access control server directory, and to redirect the cardholder system to a secondary enrollment website associated with the access control server associated with one of the plurality of card issuers providing the electronic commerce card in response to the enrollment information indicating the electronic commerce card is eligible for enrollment.

2. The system of claim 1, wherein the enrollment information includes an indication that the access control server associated with one of the plurality of card issuers providing the electronic commerce card supports the authentication program.

3. The system of claim 2, wherein the directory of access control servers includes for each access control server an indication of whether the access control server supports the authentication program.

4. The system of claim 1, wherein the activation link is provided by a merchant website.

5. The system of claim 4, wherein the initial enrollment site includes branding associated with the merchant website.

6. The system of claim 1, wherein the secondary activation website is adapted to collect authentication information from cardholder system.

7. The system of claim 1, wherein the enrollment request includes information identifying the one of the plurality of card issuers providing the electronic commerce card.

8. The system of claim 7, wherein the information identifying the one of the plurality of card issuers providing the electronic commerce card includes at least a portion of an electronic commerce card number.

9. The system of claim 1, wherein the access control server directory is adapted to query the access control server associated with one of the plurality of card issuers providing the electronic commerce card to determine if the electronic commerce card is eligible for enrollment in response to a determination that the one of the plurality of card issuers providing the electronic commerce card supports the authentication program and to receive a query response from the access control server associated with one of the plurality of card issuers providing the electronic commerce card.

10. The system of claim 9, wherein the access control server directory is adapted to communicate an enrollment request to an attempted enrollment access control server in response to a determination that the one of the plurality of card issuers providing the electronic commerce card does not supports the authentication program.

11. The system of claim 1, wherein the secondary activation website is adapted to return customer service information to the cardholder system.

12. A method for initiating the enrollment of an electronic commerce card in an authentication program, the method comprising:

presenting an initial enrollment website to a cardholder system in response to the cardholder system selecting an activation link;

receiving an enrollment request from the cardholder system;

communicating the enrollment request to an access control server directory including a directory of access control servers, each access control server associated with at least one of a plurality of card issuers;

receiving enrollment information from the access control server directory; and

redirecting the cardholder to a secondary enrollment site associated with the access control server associated with one of the plurality of card issuers providing the electronic commerce card in response to the enrollment information indicating the electronic commerce card is eligible for enrollment.

13. The method of claim 12, wherein the enrollment information includes an indication that the access control server associated with one of the plurality of card issuers providing the electronic commerce card supports the authentication program.

14. The method of claim 13, wherein the directory of access control servers includes for each access control server an indication of whether the access control server supports the authentication program.

15. The method of claim 12, wherein the activation link is provided to the cardholder system by a merchant website.

16. The method of claim 15, wherein the initial enrollment site includes branding associated with the merchant website.

17. The method of claim 12, further including collecting authentication information from cardholder system using the secondary activation website.

18. The method of claim 12, wherein the enrollment request includes information identifying the one of the plurality of card issuers providing the electronic commerce card.

19. The method of claim 18, wherein the information identifying the one of the plurality of card issuers providing the electronic commerce card includes at least a portion of an electronic commerce card number.

20. The method of claim 12, further including:

determining if the one of the plurality of card issuers providing the electronic commerce card supports the authentication program in response to the enrollment request;

querying the access control server associated with one of the plurality of card issuers providing the electronic commerce card to determine if the electronic commerce card is eligible for enrollment in response in response to a determination that the one of the plurality of card issuers providing the electronic commerce card supports the authentication program; and

receiving a query response from the access control server associated with one of the plurality of card issuers providing the electronic commerce card in response to the querying.

21. The method of claim 20, further including:

communicating an enrollment request to an attempted enrollment access control server in response to a determination that the one of the plurality of card issuers providing the electronic commerce card does not supports the authentication program.

22. The method of claim 12, further including:

returning customer service information to the cardholder system from the secondary activation website.