ENROLLMENT AUTHENTICATION WITH ENTRY OF PARTIAL PRIMARY ACCOUNT NUMBER (PAN)
First Claim
1. A method of implementing enrollment authentication, the method comprising:
- receiving, by a processing system from a customer, a partial primary account number (PAN) and an identifier of an issuing financial institution of the partial PAN;
based on transaction history related to the partial PAN, presenting a plurality of challenge questions to the customer;
receiving, by the processing system from the customer, answers to the plurality of challenge questions;
based on the partial PAN, the identifier of the issuing financial institution, and the answers to the plurality of challenge questions, resolving, by the processing center, a complete PAN;
prompting the customer to select a mutual trust phrase;
receiving, by the processing system, the selected mutual trust phrase;
placing a call from an interactive voice response (IVR) system to the customer;
playing back to the customer the selected mutual challenge phrase;
receiving, from a telephone, the customer'"'"'s personal identification number (PIN) associated with the complete PAN; and
using, by the processing system, the complete PAN and PIN combination to authenticate the customer.
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Accused Products
Abstract
This disclosure describes, generally, methods and systems for implementing enrollment authentication. The method includes receiving from a customer a partial PAN and an issuing financial institution. Further, based on transaction history related to the partial PAN, the method presents challenge questions to the customer, receive answers to the challenge questions. Then, based on the partial PAN, the issuing financial institution, and the answers to the challenge questions, a complete PAN may be resolved. The method includes prompting the customer to select a mutual trust phrase, receiving the selected mutual trust phrase, and placing a call from an interactive voice response (IVR) system to the customer. Further, the method includes playing back to the customer the selected mutual challenge phrase, receiving, from a telephone (e.g., entered on touch-tone keypad or spoken and translated to text), the customer'"'"'s PIN associated with the complete PAN, and using the complete PAN and PIN combination to authenticate the customer.
26 Citations
18 Claims
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1. A method of implementing enrollment authentication, the method comprising:
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receiving, by a processing system from a customer, a partial primary account number (PAN) and an identifier of an issuing financial institution of the partial PAN; based on transaction history related to the partial PAN, presenting a plurality of challenge questions to the customer; receiving, by the processing system from the customer, answers to the plurality of challenge questions; based on the partial PAN, the identifier of the issuing financial institution, and the answers to the plurality of challenge questions, resolving, by the processing center, a complete PAN; prompting the customer to select a mutual trust phrase; receiving, by the processing system, the selected mutual trust phrase; placing a call from an interactive voice response (IVR) system to the customer; playing back to the customer the selected mutual challenge phrase; receiving, from a telephone, the customer'"'"'s personal identification number (PIN) associated with the complete PAN; and using, by the processing system, the complete PAN and PIN combination to authenticate the customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A machine-readable medium for implementing enrollment authentication, having sets of instructions which, when executed by a machine, cause the machine to:
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receive from a customer a partial primary account number (PAN) and an identifier of an issuing financial institution of the partial PAN; based on transaction history related to the partial PAN, present a plurality of challenge questions to the customer; receive answers to the plurality of challenge questions; based on the partial PAN, the identifier of the issuing financial institution, and the answers to the plurality of challenge questions, resolve a complete PAN; prompt the customer to select a mutual trust phrase; receive the selected mutual trust phrase; place a call from an interactive voice response (IVR) system to the customer; play-back to the customer the selected mutual challenge phrase; receive, from a telephone, the customer'"'"'s personal identification number (PIN) associated with the complete PAN; and use the complete PAN and PIN combination to authenticate the customer. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification