公开(公告)号：US20190392450A1

公开(公告)日：2019-12-26

申请号：US16448884

申请日：2019-06-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Julia Sharon Gosset ,  Robert Albert Ederle ,  Ranjita Shankar Iyer ,  Brian Piel ,  Christopher John Merz ,  Felix Johannes Flory ,  Nimit Gulati ,  Paul Baker

IPC: G06Q20/40 ,  G06Q20/12 ,  H04L29/06

Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying the risk threshold and being below the transaction limit.