Method and system for converting mail order/telephone order transactions into E-commerce transactions

• US 20080126252A1
• Filed: 09/28/2007
• Published: 05/29/2008
• Est. Priority Date: 09/28/2006
• Status: Active Grant

• Current Assignee: Verifi, Inc. (Visa, Inc.)
• Original Assignee: Verifi, Inc. (Visa, Inc.)
• Inventors: Katz, Matthew
• Granted Patent: US 7,761,380 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

A system and method for use in the authentication of payment instrument non-Internet transactions. A server transmits the transaction information to the authentication network associated with the issuer of the cardholder'"'"'s card to determine whether the cardholder is enrolled in the card issuer'"'"'s authentication program, and if so, will transmit a notification to the cardholder which includes instructions on how the cardholder can use an Internet connection to complete the authentication process for the transaction. When the cardholder accesses the server website and inputs the verification code previously generated by the server, the cardholder is automatically redirected by the server to the specific Internet link provided by the authentication network, which corresponds to the cardholder'"'"'s transaction, so that the cardholder may complete the authentication of the transaction.

Claims

1. A system for authenticating a non-Internet payment instrument transaction with a merchant and payment instrument holder, comprising:

a computer programmed to receive data related to a transaction, to send the transaction data to the payment instrument issuer, to receive authentication data relating to the transaction from the payment instrument issuer; and

to make the authentication data available to the payment instrument holder for use in an Internet authentication communication with the payment instrument issuer.

2. The system of claim 1 wherein the merchant has a terminal and wherein the computer receives data related to the transaction from the merchant terminal.

3. The system of claim 1, wherein the transaction data is input by means selected from the group consisting of:

manual input by an operator, voice recognition software, user input via a touchtone phone, or optical character recognition means.

4. The system of claim 1, wherein the computer is programmed to direct a communication to the payment instrument holder comprising a URL for a website connected to the computer.

5. The system of claim 4, wherein the communication is sent by means selected from the group consisting of:

email, telephone call, SMS message, fax, and mail.

6. The system of claim 1, wherein the computer is programmed to generate a unique code to identify the transaction.

7. The system of claim 6, wherein the code is used by the payment instrument holder to identify the transaction for authentication.

8. The system of claim 1, wherein authentication data includes a payer authentication request (PAR).

9. The system of claim 8 wherein the computer is programmed to resend the transaction data to the payment instrument issuer at the time the payment instrument holder initiates the authentication communication with the computer, and to receive a second payer authentication request (PAR) relating to the transaction from the payment instrument issuer;

and to make the second payer authentication request (PAR) available to the payment instrument holder for use in an Internet authentication communication with the payment instrument issuer.

10. A method for authenticating a non-Internet payment instrument transaction, comprising the steps of:

inputting data relating to the transaction into a computer;

programming the computer to send the transaction data to the payment instrument issuer;

programming the computer to receive authentication data relating to the transaction from the payment instrument issuer; and

programming the computer to make the authentication data available to the payment instrument holder for use in an Internet authentication communication with the credit card issuer.

11. The method of claim 10, wherein the transaction data is input by means selected from the group consisting of:

manual input by an operator, voice recognition software, user input via a touchtone phone, or optical character recognition means.

12. The method of claim 10, wherein the merchant has a terminal and wherein the step of inputting data is performed at the merchant terminal.

13. The method of claim 10, further comprising the step of programming the computer to direct a communication to the payment instrument holder comprising a URL for a website connected to the computer.

14. The method of claim 13, wherein the communication is sent by means selected from the group consisting of:

email, telephone call, SMS message, fax, and mail.

15. The method of claim 10, wherein the computer is programmed to generate a unique code to identify the transaction.

16. The method of claim 15, wherein the code is used by the payment instrument holder to identify the transaction for authentication.

17. The method of claim 10, further comprising the step of programming the computer to resend the transaction data to the payment instrument issuer at the time the payment instrument holder initiates the authentication communication with the computer, and to receive a second payer authentication request (PAR) relating to the transaction from the payment instrument issuer;

and to make the second payer authentication request (PAR) available to the payment instrument holder for use in an Internet authentication communication with the payment instrument issuer.

18. A system for authenticating a non-Internet payment instrument transaction with a merchant, comprising a computer programmed to receive data related to a transaction, to send the transaction data to the payment instrument issuer, to receive authentication data relating to the transaction from the payment instrument issuer;

to make the authentication data including a payer authentication request (PAR) available to the payment instrument holder for use in an Internet authentication communication with the payment instrument issuer, to resend the transaction data to the payment instrument issuer at the time the payment instrument holder initiates the authentication communication with the computer, to receive a second payer authentication request (PAR) relating to the transaction from the payment instrument issuer; and

to make the second payer authentication request (PAR) available to the payment instrument holder for use in an Internet authentication communication with the payment instrument issuer.