PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM
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Abstract
A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.
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Citations
40 Claims
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1-20. -20. (canceled)
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21. A method comprising:
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receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device; analyzing the authorization request message for one or more characteristics or the portable consumer device or the access device to determine if a confidence threshold is met or exceeded; and if the confidence threshold is not exceeded, performing additional authentication processing. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A system comprising:
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means for receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device; means for analyzing the authorization request message for one or more characteristics or the portable consumer device or the access device to determine if a confidence threshold is met or exceeded; and means for performing additional authentication processing if the confidence threshold is not exceeded. - View Dependent Claims (32, 33, 34, 35)
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36. A system comprising:
a server computer comprising a processor; and
computer readable medium comprising code for receiving an authorization request message, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device, code for analyzing the authentication request message for one or more characteristics of the portable consumer device or the access device to determine if a confidence threshold is met or exceeded, and code for performing additional authentication processing if the confidence threshold is not exceeded.- View Dependent Claims (37, 38, 39, 40)
Specification