Invention Grant
- Patent Title: Methods and systems for authenticating an identity of a payer in a financial transaction
- Patent Title (中): 在金融交易中验证付款人身份的方法和系统
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Application No.: US12834637Application Date: 2010-07-12
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Publication No.: US08527417B2Publication Date: 2013-09-03
- Inventor: Todd N. Telle , Sue Ellen Moskowitz
- Applicant: Todd N. Telle , Sue Ellen Moskowitz
- Applicant Address: US NY Purchase
- Assignee: MasterCard International Incorporated
- Current Assignee: MasterCard International Incorporated
- Current Assignee Address: US NY Purchase
- Agency: Armstrong Teasdale LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00
Abstract:
A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first communication medium. A one-time password is generated at an interchange computer system and transmitted to the cardholder via a second communication medium. The cardholder is prompted to enter access credential information, including the one-time password. When the entered access credential information is verified (e.g., the entered one time password is equal to the generated one-time password), a successful authentication is indicated to the merchant.
Public/Granted literature
- US20120011066A1 METHODS AND SYSTEMS FOR AUTHENTICATING AN IDENTITY OF A PAYER IN A FINANCIAL TRANSACTION Public/Granted day:2012-01-12
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