Authentication platform for pin debit issuers

The system according to claim 4, wherein the rules include at least one of:

• a rule decreasing the score if a man in the middle attack is detected or malware is detected;
• a rule increasing the score if purchase amount of the transaction is less than a threshold;
• a rule decreasing the score if the consumer is located outside a known region of the consumer;
• and
• a rule decreasing the score if a unique signature of the digital processing device is unrecognized among a list of registered digital processing devices for the consumer.

The system according to claim 8, wherein the one or more processors are further programmed to:

• receive a debit authorization response message from the payment processor;
• translate the debit authorization response message to a credit authorization response message;
• and,
• transmit the credit authorization response message to the merchant.

A method for processing a transaction between a merchant and a consumer, said method comprising:

• receiving data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant;
• determining whether the digital processing device is secure using the received data;
• in response to determining the digital processing device is in insecure, aborting the transaction;
• and
• in response to determining the digital processing device is in secure, processing the transaction by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using the payment processing supply chain;
• wherein the method is performed by one or more processors of a third party.

A system for processing a transaction between a merchant and a consumer, said system comprising:

• one or more processors of a third party programmed to:
• receive data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant;
• receive at least one of payment data and authentication data to process the transaction in parallel with the data indicate of the security of the digital processing device;
• determine whether the digital processing device is secure using the received data;
• in response to determining the digital processing device is in insecure, abort the transaction;
• and
• in response to determining the digital processing device is in secure, process the transaction by:
• collecting authentication data for a debit card being used to complete the transaction from the consumer;
• translating between a credit authorization message for the transaction to a debit authorization message using the authentication data, the translating including combining data in the credit authorization message with the collected authentication data to create the debit authorization message;
• and,
• transmitting the debit authorization message to a payment processor.