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AUTHENTICATION OF CARD-NOT-PRESENT TRANSACTIONS

  • US 20180322493A1
  • Filed: 07/16/2018
  • Published: 11/08/2018
  • Est. Priority Date: 12/18/2009
  • Status: Active Grant
First Claim
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1. A method of processing a card-not-present transaction, wherein the transaction is processed with a primary account number and cardholder verification information, the method comprising:

  • receiving, by a payment processor system, a request for a card-not-present transaction by a consumer, the request including information identifying the consumer;

    authenticating the consumer, by the payment processor system, based at least in part on the information identifying the consumer;

    in response to authenticating the consumer, generating, by the payment processor system, a set of single-use payment information, the set of single-use payment information including at least both a one-time password and a separate dynamic Primary Account Number (PAN), wherein the dynamic PAN is valid for a single transaction and does not reveal a true PAN of the enrolled consumer;

    providing single-use payment information from the payment processor system to a merchant and to the consumer, including providing a portion of the set of single-use payment information directly to a merchant system while providing another portion of the set of single-use payment information to the consumer for the consumer to provide to the merchant, with the one-time password for use in place of true cardholder verification information and the dynamic PAN for use in place of a true PAN and;

    receiving, by the payment processor system, both the one-time password and the separate dynamic PAN as provided to the merchant and the consumer, in order to process the card-not-present transaction, including;

    receiving, by the payment processor system, from the merchant system a request to process payment of the card-not-present transaction, the request including the dynamic PAN in place of a true PAN and the one-time password in place of true cardholder verification information;

    authenticating the request to process payment of the card-not-present transaction, by the payment processor system, based on the dynamic PAN and the one-time password from the request to process payment of the card-not-present transaction;

    in response to authenticating the request to process payment of the card-not-present transaction, determining, by the payment processor system, the true PAN for the consumer; and

    processing payment of the card-not-present transaction, by the payment processor system, using the true PAN for the consumer.

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