Methods and systems for providing 3-D secure service on-behalf-of merchants

• Main Authors: Wiesman, Mark, Chisholm, John Delton, Williamson, Gregory, Groarke, Peter J, Lone, Ishfaq A, Gerber, Theunis Johannes
• Format: Patent
• Language: English
• Published: 16.01.2020
• 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

Systems and methods for conducting 3-D Secure transactions on-behalf-of (OBO) merchants. In an embodiment, a payer authentication response (PARes) message indicating enrollment in the 3-D Secure OBO merchants authentication service is received from an access control server by a computer and stored. The computer later receives a purchase transaction authorization request message, determines that data of the purchase transaction authorization request message matches stored PARes message data, and then injects a UCAF into the purchase transaction authorization request message to generate an updated transaction authorization request message. The updated transaction request message is then transmitted to an issuer financial institution for 3-D Secure purchase transaction authorization processing. WO 2015/020770 PCTIUS2O14/046953 U) w 0 CL a C"O 0' U)> wL L cl) Lci