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公开(公告)号：US10748147B2
公开(公告)日：2020-08-18
申请号：US16429813
申请日：2019-06-03
申请人： Visa U.S.A. Inc.
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van deloo
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
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公开(公告)号：US20190287104A1
公开(公告)日：2019-09-19
申请号：US16429813
申请日：2019-06-03
申请人： Visa U.S.A. Inc.
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van deloo
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
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