发明申请
- 专利标题: ACCOUNT AUTHENTICATION SERVICE WITH CHIP CARD
- 专利标题(中): 帐号认证服务与芯片卡
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申请号: US12419115申请日: 2009-04-06
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公开(公告)号: US20100057619A1公开(公告)日: 2010-03-04
- 发明人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philipe Levy , Trudy Hill
- 申请人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philipe Levy , Trudy Hill
- 申请人地址: US CA Foster City
- 专利权人: VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人: VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人地址: US CA Foster City
- 主分类号: H04L9/32
- IPC分类号: H04L9/32 ; G06Q20/00 ; H04M3/42
摘要:
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.
公开/授权文献
- US09864993B2 Account authentication service with chip card 公开/授权日:2018-01-09