公开(公告)号：US20140279522A1

公开(公告)日：2014-09-18

申请号：US13839579

申请日：2013-03-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Paul Michael Musser ,  Matthew John Challingsworth ,  David Aaron Laskin

IPC: G06Q20/40

CPC classification number: G06Q20/401 ,  G06Q20/4014

Abstract: Authenticating a device holder using a payment device. The method comprises receiving identifying information related to a payment device from a device holder to be authenticated. A data repository is solicited for transactional information related to an account drawn upon by the payment device. One or more challenge questions are presented to the device holder to be authenticated, the challenge questions being related to the transactional information. The device holder to be authenticated responds to the one or more challenge questions. Based on the responses, it is determined whether at least a predetermined number of the responses to the one or more challenge questions corresponds with the transactional information. The device holder may be authenticated based upon the determining that at least a predetermined number of the responses to the one or more challenge questions correspond with the transactional information.

Abstract translation: 使用付款设备验证设备持有人。 该方法包括从要认证的设备保持器接收与支付设备相关的识别信息。 请求数据存储库用于与支付设备绘制的帐户有关的交易信息。 将一个或多个挑战问题提交给设备持有者进行认证，挑战问题与事务信息相关。 要认证的设备持有者对一个或多个挑战问题做出响应。 基于响应，确定至少一个预定数量的对一个或多个挑战问题的响应是否与事务信息相对应。 可以基于确定对一个或多个挑战问题的至少预定数量的响应与事务信息相对应来来认证设备保持器。