SYSTEMS APPARATUS AND METHODS FOR IMPROVED AUTHENTICATION

• Main Authors: PIEL BRIAN JOHN, GILBERT CRAIG, WILLIAMSON GREGORY D
• Format: Patent
• Language: English; Korean
• Published: 05.03.2019
• 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

카드 소지자 인증 방법은 인증 네트워크에서 계좌를 수반하는 인증 요청을 수신하는 단계를 포함한다. 방법은 적어도, 계좌와 연관된 계좌 식별자의 일부분에 기초하여, 인증 서비스를 결정하는 단계를 더 포함한다. 추가적으로, 방법은 적어도 계좌 식별자의 일부분 및 인증 서비스에 기초하여, 인증 응답을 결정하는 단계를 포함한다. 방법은 또한 계좌를 수반하는 거래에 연관된 상인에게 인증 응답을 송신하는 단계를 포함한다. A cardholder authentication method includes receiving, at an authentication network, an authentication request involving an account. The method further includes determining, based at least in part on a portion of an account identifier associated with said account, an authentication service. In addition, the method includes determining, based at least on said authentication service and a portion of said account identifier, an authentication response. The method also includes transmitting, to a merchant associated with a transaction involving said account, said authentication response.