Managing attempts to initiate authentication of electronic commerce card transactions
First Claim
1. An electronic commerce card authentication system comprising:
- a directory server adapted to;
receive a verification request message from a merchant system, wherein the verification request message requests an indication of whether a card account is capable of being authenticated;
determine whether the card account is capable of being authenticated; and
communicate a verification response message with the merchant system in response to a determination that the card account is not capable of being authenticated, wherein the verification response message instructs the merchant system to submit an authentication request.
1 Assignment
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Accused Products
Abstract
To encourage widespread implementation of an electronic commerce card authentication system by the numerous different card issuers and merchants, the card association assigns liability for fraudulent transaction based upon a party'"'"'s compliance with the authentication system. To enable this feature, an embodiment of the card processing system includes the ability to track and record attempts by merchants to initiate authentications, even in circumstances where the card issuer does not support authentication or can not authenticate the card information its receives. A directory server determines whether a card account is capable of being authenticated. If the card issuer cannot authenticate the card account, the directory server instructs the merchant system to attempt authentication with an alternate access control server. The alternate access control server is adapted to communicate an authentication response message with the merchant system indicating that the merchant system attempted an authentication.
94 Citations
20 Claims
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1. An electronic commerce card authentication system comprising:
a directory server adapted to;
receive a verification request message from a merchant system, wherein the verification request message requests an indication of whether a card account is capable of being authenticated;
determine whether the card account is capable of being authenticated; and
communicate a verification response message with the merchant system in response to a determination that the card account is not capable of being authenticated, wherein the verification response message instructs the merchant system to submit an authentication request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of initiating an authentication of an electronic commerce card, the method comprising:
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receiving a verification request message from a merchant system, wherein the message requests an indication of whether a card account is capable of being authenticated;
determining whether the card account is capable of being authenticated; and
communicating a verification response message with the merchant system in response to a determination that the card account is not capable of being authenticated, wherein the verification response message instructs the merchant system to submit an authentication request. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification