Online payer authentication service

• US 7,991,701 B2
• Filed: 09/01/2010
• Issued: 08/02/2011
• Est. Priority Date: 04/24/2000
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Lewis, Tony D., Reno, James Donald, Ryan, Stephen W., Weller, Kevin D., Dominguez, Benedicto H., Bray, Peter, Manessis, Thomas J., Hill, Peter R.
• Primary Examiner(s): Worjloh; Jalatee
• Application Number:
  US12/873,869
• Publication Number:
  US 20100332393A1
• Time in Patent Office: 335 Days
• Field of Search: 705 64- 79, 713/150
• US Class Current: 705/78
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder'"'"'s identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder'"'"'s authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Claims

1. A method wherein an issuer authenticates, for the benefit of a third party, a customer using an account during an online transaction with said third party, said method comprising:

receiving, by said issuer, authentication information concerning said customer;

verifying, by said issuer during a registration process, the identity of said customer as the owner of said account and associating a designated password with said account;

receiving an authentication request message at an access control server from said third party during said online transaction, said message requesting verification of the identity of said customer;

requesting over a network, by said issuer from said customer during said online transaction, an identity-authenticating password;

verifying, by said issuer, that said identity-authenticating password from said customer matches said password previously designated for said account;

notifying said third party over said network during said online transaction, by said issuer, that said customer is the actual owner of said account when said identity-authenticating password entered by said customer matches the password that was previously designated for said account, whereby said issuer authenticates said customer for said third party during said online transaction;

receiving a verify enrollment request message at said access control server operated by said issuer during said online transaction indicating whether said customer account is registered; and

sending a verify enrollment response message back to said third party indicating that said customer account is registered.

2. A method as recited in claim 1 further comprising:

accessing a web site of said third party by said customer using an Internet browser of said customer computer;

redirecting said Internet browser of said customer computer from said web site to said access control server of said issuer, whereby said issuer receives said identity-authenticating password; and

redirecting said Internet browser of said customer computer from said access control server back to said web site of said third party.

3. A method as recited in claim 1 wherein said access control server receives said customer authentication information and said designated password from said issuer during said registration process, whereby said customer need not go through a formal registration process.

4. A method as recited in claim 1 wherein said access control server receives said customer authentication information and said designated password from said customer during said registration process, whereby said registration process is a formal registration process.

5. A method as recited in claim 1 wherein said issuer is an issuer financial institution and said third party is an online merchant, whereby said online merchant conducts an online financial transaction with said customer, and wherein said account of said customer is maintained by said issuer financial institution.

6. A method as recited in claim 1 wherein the access control server determines if said customer account is registered by verifying that said customer account is contained in a database of enrolled customer accounts.

7. A method as recited in claim 1 further comprising:

sending said verify enrollment request message from said third party to a directory server to verify that said customer account is registered.

8. A method as recited in claim 1 further comprising:

including within said verify enrollment response message an Internet address for said access control server, whereby said Internet address for said access control server allows said third party to communicate with said access control server.

9. A method as recited in claim 1 further comprising:

reviewing a memory device controlled by said third party to verify that said customer account is registered.

10. A method as recited in claim 1 further comprising:

sending, by said issuer, a card authentication verification value to said third party, the card authentication verification value containing a unique value for said customer account and a specific payment transaction, whereby said card authentication verification value uniquely identifies a specific authenticated payment transaction.

11. A method as recited in claim 1 further comprising:

sending, by said third party, of an authorization message to an issuer financial institution to verify said customer account has adequate credit for a requested purchase.

12. A method as recited in claim 1 wherein said first step of verifying further comprising:

receiving, by said issuer, said authentication information entered at an enrollment Internet web site by said customer;

verifying, by said issuer, that said enrollment information substantially matches information contained within a pre-existing database of customer information; and

storing said customer account information in a database for enrolled customer accounts.

13. A method as recited in claim 1 wherein said online transaction is a payment transaction.

14. A method as recited in claim 1 further comprising:

generating, by said issuer, a digitally-signed transaction receipt using a signature key of said issuer; and

sending, by said issuer, said digitally-signed transaction receipt to said third party, whereby said digitally-signed transaction receipt confirms to said third party that the identity of said customer has been authenticated.

15. A method as recited in claim 14 wherein said transaction receipt includes a number associated with said customer account, a transaction payment amount, and a transaction payment date.

16. A method as recited in claim 14 further comprising:

verifying, by said third party, said digitally signed transaction receipt such that said third party is assured that said transaction receipt was sent from a specific issuer.