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USER ENHANCED AUTHENTICATION SYSTEM FOR ONLINE PURCHASES

  • US 20100114740A1
  • Filed: 10/27/2009
  • Published: 05/06/2010
  • Est. Priority Date: 10/31/2008
  • Status: Active Grant
First Claim
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1. A merchant server, the merchant server comprising a processor and a computer readable medium having a computer readable code embodied therein, wherein the computer readable code is adapted to be executed on the processor, wherein the computer readable code is adapted to be executed to implement a method, the method comprising:

  • sending to a consumer a merchant checkout page, wherein the merchant checkout page is configured to receive from the merchant server an indication of whether an issuer server is configured to authenticate the consumer using an inline authentication form;

    sending an enrollment verification request to a directory server; and

    receiving an enrollment verification response from the directory server, wherein the enrollment verification response includes an indication of whether the issuer server that is capable of authenticating the consumer conducting an online transaction is configured to authenticate the consumer using the inline authentication form.

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