Authenticating remote transactions using a mobile device
AssigneeVisa International Service Association
InventorJames Dene Dimmick
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.
Claims22
-17. (canceled)
A method comprising:
- receiving a personal identifier by an authentication server computer;
- sending, by the authentication server computer, the personal identifier to an issuer computer in a zero dollar authorization request message over a first payment network;
- receiving an authorization response message comprising an authentication indicator from the issuer computer;
- and
- forwarding the authentication indicator to a gateway computer,
- wherein the gateway computer initiates a transaction authorization request message to the issuer computer including the authentication indicator over a second payment network.
An authentication server computer comprising a processor and a computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- receiving a personal identifier;
- sending the personal identifier to an issuer computer in a zero dollar authorization request message over a first payment network;
- receiving an authorization response message comprising an authentication indicator from the issuer computer;
- and
- forwarding the authentication indicator to a gateway computer,
- wherein the gateway computer initiates a transaction authorization request message to the issuer computer including the authentication indicator over a second payment network.
A method comprising:
- receiving, by an authentication server computer, a personal identifier associated with a consumer's account of a consumer with an issuer;
- sending, by the authentication server computer, the personal identifier to the issuer in a zero dollar authorization request message;
- receiving an authorization response message comprising an authentication indicator from the issuer;
- initiating a request to a mobile device operated by the consumer for registering one or more biometric identifiers;
- receiving the one or more biometric identifiers from the mobile device;
- and
- associating, by the authentication server computer, the one or more biometric identifiers with the personal identifier.
Dependencies are inferred from the claim text.