Secure authentication system and method
AssigneeVisa International Service Association
InventorsAyman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
Life of this patent
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Abstract
Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.
Claims21
-112. (canceled)
A method comprising:
- receiving, a Purchase Authentication Page by a computer from a control server over a communications network, the Purchase Authentication Page having a user response posting field to receive a response from a user to authenticate the user;
- and
- providing, a returned Purchase Authentication Page by the computer to the control server over the communications network, the returned Purchase Authentication Page having a user response disposed in the user response posting field and a secure datum received from a verification token associated with the computer, wherein the control server thereafter
- compares at least a portion of the received user response to a stored user response to make a first determination of whether a match exists,
- compares the received secure datum to a stored secure datum to make a second determination of whether a match exists, and
- generates a Payer Authentication Response message based on at least the first and second determinations.
A computer comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising:
- receiving, a Purchase Authentication Page from a control server over a communications network, the Purchase Authentication Page having a user response posting field to receive a response from a user to authenticate the user;
- and
- providing, a returned Purchase Authentication Page to the control server over the communications network, the returned Purchase Authentication Page having a user response disposed in the user response posting field and a secure datum received from a verification token associated with the computer, wherein the control server thereafter
- compares at least a portion of the received user response to a stored user response to make a first determination of whether a match exists,
- compares the received secure datum to a stored secure datum to make a second determination of whether a match exists, and
- generates a Payer Authentication Response message based on at least the first and second determinations.
A method comprising:
- receiving, by a computer from an control server, a Purchase Authentication Page with page display parameters that cause the Purchase Authentication Page to not be visible or to not be fully visible on a display of the computer if a risk assessment performed by the control server is below a threshold value;
- and
- receiving, by the computer from the control server, the Purchase Authentication Page with page display parameters that cause the Purchase Authentication Page to be visible on the display of the computer if the risk assessment is above the threshold value.
Dependencies are inferred from the claim text.