CARDLESS CHALLENGE SYSTEMS AND METHODS
First Claim
1. A method for authorizing a transaction between a consumer and a merchant, the method comprising:
- receiving, at a server of a non-merchant entity, a consumer message from an access device used by the consumer, wherein the consumer message includes account information of an account of the consumer to be used for the transaction;
subsequent to receiving the consumer message, sending, to the consumer from the non-merchant server, a challenge question;
receiving, at the non-merchant server from the consumer, a challenge answer to the challenge question; and
sending, to a merchant server from the non-merchant server, a funding message.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.
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Citations
32 Claims
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1. A method for authorizing a transaction between a consumer and a merchant, the method comprising:
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receiving, at a server of a non-merchant entity, a consumer message from an access device used by the consumer, wherein the consumer message includes account information of an account of the consumer to be used for the transaction; subsequent to receiving the consumer message, sending, to the consumer from the non-merchant server, a challenge question; receiving, at the non-merchant server from the consumer, a challenge answer to the challenge question; and sending, to a merchant server from the non-merchant server, a funding message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for authorizing a transaction between a consumer and a merchant, the system comprising:
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a server having an external interface for receiving a consumer message from an access device used by the consumer, wherein the consumer message includes account information of an account of the consumer to be used for the transaction, and wherein the server is associated with a non-merchant entity; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; send, to the consumer from the non-merchant server, a challenge question, wherein the challenge question is sent subsequent to receiving the consumer message at the non-merchant server; receive, at the non-merchant server from the consumer, a challenge answer to the challenge question; and send, to a merchant server from the non-merchant server, a funding message.
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11. A method for authorizing a transaction between a consumer and a merchant, the method comprising:
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prior to the consumer submitting account information of an account of the consumer to be used for the transaction, receiving, at a server of a non-merchant entity, transaction information; initiating, at the non-merchant server, a risk analysis using the received transaction information; and calculating a first risk score based on the risk analysis. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A system for authorizing a transaction between a consumer and a merchant, the system comprising:
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a server having an external interface, wherein the server is associated with a non-merchant entity; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; prior to the consumer submitting account information of an account of the consumer to be used for the transaction, receive, at the external interface, transaction information; initiate a risk analysis using the received transaction information; and calculating a first risk score based on the risk analysis.
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21. A method for conducting a transaction between a consumer and a merchant, the method comprising:
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receiving, at a server of the merchant from an access device used by the consumer, a checkout request to initiate a transaction; providing, from the merchant server to the access device, a first code for displaying an application page, wherein the first code sends information about the access device to a server not operated by the merchant; and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction. - View Dependent Claims (22)
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23. A system for conducting a transaction between a consumer and a merchant, the system comprising:
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a server having an external interface, wherein the server is associated with the merchant; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; receive, at the external interface from an access device used by the consumer, a checkout request to initiate a transaction; provide, from the merchant server to the access device, a first code for displaying an application page, wherein the first code sends information about the access device to a server not operated by the merchant; and receive, at the merchant server from the non-merchant server, a response message regarding the transaction.
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24. A method for requesting authorization of a transaction between a consumer and a merchant, the method comprising:
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initiating, by the consumer, a transaction involving the merchant; sending, to a server of a non-merchant entity, a consumer message directly from an access device used by the consumer, wherein the consumer message includes account information of an account of the consumer to be used for the transaction; subsequent to sending the consumer message, receiving, by the consumer from the non-merchant server, a challenge question; sending, to the non-merchant server by the consumer, a challenge answer to the challenge question; and receiving a response message including status information about the transaction. - View Dependent Claims (25, 26, 27, 28)
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29. A system for requesting authorization of a transaction between a consumer and a merchant, the system comprising:
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an external interface operable to connect to a merchant server, wherein the connection allows a consumer to initiate a transaction involving the merchant; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; send, to a server of a non-merchant entity, a consumer message directly from the external interface, wherein the consumer message includes account information of an account of the consumer to be used for the transaction; subsequent to sending the consumer message, receive, from the non-merchant server, a challenge question; send, to the non-merchant server, a challenge answer to the challenge question in response to a command from the consumer; and receive a response message including status information about the transaction.
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30. A method for requesting authorization of a transaction between a consumer and a merchant, the method comprising:
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providing, to a server of the merchant by the consumer, a checkout request to initiate a transaction; receiving, from the merchant server by an access device used by the consumer, a first code for displaying an application page, wherein the first code sends information about the access device to a server not operated by the merchant; sending the information about the access device to the non-merchant server; subsequent to sending the access device information, sending a consumer message including account information of an account of the consumer to be used for the transaction; and receiving a response message including status information about the transaction. - View Dependent Claims (31)
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32. A system for requesting authorization of a transaction between a consumer and a merchant, the system comprising:
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an external interface operable to connect to a merchant server, wherein the connection allows a consumer to provide, to the merchant server, a checkout request to initiate a transaction; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; send information about the system to a server not operated by the merchant; subsequent to sending the system information, send a consumer message in response to a command from the consumer, the consumer message including account information of an account of the consumer to be used for the transaction; and receive a response message including status information about the transaction.
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Specification