INTERNET SITE AUTHENTICATION WITH PAYMENTS AUTHORIZATION DATA

• US 20150052053A1
• Filed: 08/15/2013
• Published: 02/19/2015
• Est. Priority Date: 08/15/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Howe, Justin X.
• Granted Patent: US 9,972,013 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 20/409 Device specific authentication in transaction processing

Abstract

A system for identification by a payment cardholder of phishing and/or deceptive Websites is provided. The system includes an electronic storage device having a database of merchant or financial institution Website registration with a payment card network information stored therein. The system includes an access path for allowing access to the merchant or financial institution Website registration with a payment card network information. The system includes a processor for assembling the merchant or financial institution Website registration with a payment card network information in the database, and for communicating the assembled merchant or financial institution Website registration with a payment card network information to a payment cardholder that has been granted access to the database.

Claims

1. A system comprising:

an electronic storage device having a database of merchant Website registration with a payment card network information stored therein;

an access path for allowing access to the merchant Website registration with a payment card network information; and

a processor for assembling the merchant Website registration with a payment card network information in the database, and for communicating the assembled merchant Website registration with a payment card network information to a payment cardholder that has been granted access to the database.

2. The system of claim 1 wherein the electronic storage device comprises a server device.

3. The system of claim 2, wherein the server device has a database that contains a white list of merchant Websites registered with a payment card network, and a black list of merchant Websites not registered with a payment card network.

4. The system of claim 1 wherein the electronic storage device comprises a Domain Name System (DNS) server.

5. The system of claim 4, wherein the Domain Name System (DNS) server has a database that contains a white list of merchant Websites registered with a payment card network, and a black list of merchant Websites not registered with a payment card network.

6. The system of claim 2, wherein the server device contains an updated database of merchant Website registration with a payment card network information.

7. The system of claim 4, wherein the Domain Name System (DNS) server contains an updated database of merchant Website registration with a payment card network information.

8. The system of claim 1 further comprising a payment cardholder computer device that is configured for communication with the electronic storage device via a communication network.

9. The system of claim 8 wherein the communication network comprises an intranet or Internet.

10. The system of claim 1, wherein the assembled merchant Website registration with a payment card network information is accessed by the payment cardholder to determine that the merchant is authorized to accept payment cards, and/or that the URL matches the merchant name on file with the payment card network.

11. The system of claim 1, wherein the assembled merchant Website registration with a payment card network information is accessed by the payment cardholder to determine that the merchant is not authorized to accept payment cards, and/or that the URL does not match the merchant name on file with the payment card network.

12. A system comprising:

an electronic storage device having a database of financial institution Website registration with a payment card network information stored therein;

an access path for allowing access to the financial institution Website registration with a payment card network information; and

a processor for assembling the financial institution Website registration with a payment card network information in the database, and for communicating the assembled financial institution Website registration with a payment card network information to a payment cardholder that has been granted access to the database.

13. The system of claim 12 wherein the electronic storage device comprises a server device.

14. The system of claim 13, wherein the server device has a database that contains a white list of financial institution Websites registered with a payment card network, and a black list of financial institution Websites not registered with a payment card network.

15. The system of claim 12 wherein the electronic storage device comprises a Domain Name System (DNS) server.

16. The system of claim 15, wherein the Domain Name System (DNS) server has a database that contains a white list of financial institution Websites registered with a payment card network, and a black list of financial institution Websites not registered with a payment card network.

17. The system of claim 13, wherein the server device contains an updated database of financial institution Website registration with a payment card network information.

18. The system of claim 15, wherein the Domain Name System (DNS) server contains an updated database of financial institution Website registration with a payment card network information.

19. The system of claim 12 further comprising a payment cardholder computer device that is configured for communication with the electronic storage device via a communication network.

20. The system of claim 19 wherein the communication network comprises an intranet or Internet.

21. The system of claim 12, wherein the assembled financial institution Website registration with a payment card network information is accessed by the payment cardholder to determine that the financial institution is authorized to accept payment cards, and/or that the URL matches the financial institution name on file with the payment card network.

22. The system of claim 12, wherein the assembled financial institution Website registration with a payment card network information is accessed by the payment cardholder to determine that the financial institution is not authorized to accept payment cards, and/or that the URL does not match the financial institution name on file with the payment card network.