Enhancing 3d secure user authentication for online transactions

An enhanced 3D Secure user authentication system comprising:

• a consumer mobile device comprising a mobile device processor operably connected to a memory, at least one biometric sensor, and a communication module;
• and
• a relying party device operably connected to the consumer mobile device, wherein the relying party device comprises a processor operably connected to a memory;
• wherein the memory of the consumer mobile device includes instructions and a Web Authentication application programming interface (API) which when executed cause the mobile device processor to:
• transmit a request to a relying party device during a transaction requesting use of an enhanced 3D Secure authentication service;
• receive, from the relying party device, a request to authenticate a consumer by using a specific customer verification method (CVM);
• prompt the consumer to provide input in accordance with the CVM;
• receive input data in accordance with the CVM from an authenticator of the consumer device;
• verify the consumer based on the input data;
• generate an authentication data package;
• and
• transmit the authentication data package to the relying party device for processing and forwarding to a 3D Requestor environment.

A computer-readable medium storing processor-executable instructions which when executed cause a mobile device processor to:

• transmit a request to a relying party device during a transaction to use an enhanced 3D Secure authentication service;
• receive a request from the relying party device to authenticate a consumer by using a specific customer verification method (CVM);
• prompt the consumer to provide input in accordance with the CVM;
• receive, from an authenticator of a consumer device, input data in accordance with the CVM;
• verify the consumer based on the input data;
• generate an authentication data package;
• and
• transmit the authentication data package to the relying party device to process and forward to a 3D Requestor environment.