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US 2020/0051088 A1Published application
System and method of cardholder verification
AssigneeThe Western Union Company
InventorGirish Balasubramanian
Life of this patent
Estimating the term…
Abstract
A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
Claims20
A method comprising:
- receiving, from a first device, a request for an electronic transaction comprising a first account number associated with a first payment device and a second account number associated with a second payment device;
- receiving, from the first device, account information associated with the first payment device and the second payment device;
- transmitting, to a first database system, the first account number and the account information;
- receiving, a first authentication response indicating that previously stored account information associated with the first account number corresponds to the transmitted account information associated with the first account number;
- transmitting, to a second database system, the second account number and the account information;
- receiving, a second authentication response indicating that previously stored account information associated with the second account number corresponds to the transmitted account information associated with the second account number;
- and
- authenticating, based at least in part on the first authentication response and the second authentication response, the user of the first device.
5 more elements
A non-transitory computer-readable storage medium having stored thereon instructions for causing at least one computer system to perform one or more operations, the instructions comprising:
- receiving, from a first device, a request for an electronic transaction comprising a first account number associated with a first payment device and a second account number associated with a second payment device;
- receiving, from the first device, account information associated with the first payment device and the second payment device;
- transmitting, to a first database system, the first account number and the account information;
- receiving, a first authentication response indicating that previously stored account information associated with the first account number corresponds to the transmitted account information associated with the first account number;
- transmitting, to a second database system, the second account number and the account information;
- receiving, a second authentication response indicating that previously stored account information associated with the second account number corresponds to the transmitted account information associated with the second account number;
- and
- authenticating, based at least in part on the first authentication response and the second authentication response, the user of the first device.
5 more elements
A system comprising:
- one or more processors;
- and
- a memory coupled with the one or more processors, the memory configured to store instructions that when executed by the one or more processors cause the one or more processors to:
- receive, from a first device, a request for an electronic transaction comprising a first account number associated with a first payment device and a second account number associated with a second payment device;
- receive, from the first device, account information associated with the first payment device and the second payment device;
- transmit, to a first database system, the first account number and the account information;
- receive, a first authentication response indicating that previously stored account information associated with the first account number corresponds to the transmitted account information associated with the first account number;
- transmit, to a second database system, the second account number and the account information;
- receive, a second authentication response indicating that previously stored account information associated with the second account number corresponds to the transmitted account information associated with the second account number;
- and
- authenticate, based at least in part on the first authentication response and the second authentication response, the user of the first device.
8 more elements
Dependencies are inferred from the claim text.