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Seeding challenges for payment transactions

  • US 8,380,629 B2
  • Filed: 06/16/2008
  • Issued: 02/19/2013
  • Est. Priority Date: 06/25/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • during a first transaction, providing a challenge message to a consumer, wherein a correct response to the challenge message is not known by an entity issuing the challenge message;

    receiving, from the consumer, a first challenge response that is responsive to the challenge message, wherein the first challenge response is not used to authorize the first transaction;

    repeating the providing of the challenge message to the consumer and receiving a subsequent challenge response from the consumer during each of one or more processes for authorizing a respective other transaction requested by the consumer, wherein none of the subsequent challenge responses are used in a determination of whether the consumer is authorized to make any of the respective other transactions;

    one or more processors inferring a verified answer to the challenge message based at least on a similarity of the received challenge responses; and

    the one or more processors using the challenge message, the verified answer, and another challenge response that is responsive to the challenge message in a process for determining whether the consumer is authorized to conduct a later transaction which takes place after the respective other transactions.

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