Providing online cardholer authentication services on-behalf-of issuers

Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receivi...

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Bibliographic Details
Main Authors Groarke, Peter J, Piel, Brian John
Format Patent
LanguageEnglish
Published 08.06.2017
Subjects
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Summary:Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing.
Bibliography:Application Number: AU20150347054