SYSTEMS, APPARATUS AND METHODS FOR IMPROVED AUTHENTICATION

• Main Authors: PIEL, BRIAN, JOHN, WILLIAMSON, GREGORY, D, GILBERT, CRAIG
• Format: Patent
• Language: English; French
• Published: 18.06.2015
• 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

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. L'invention concerne un procédé d'authentification de titulaire de carte qui consiste à recevoir, au niveau d'un réseau d'authentification, une requête d'authentification impliquant un compte. Le procédé consiste en outre à déterminer, sur la base, au moins en partie, d'une partie d'un identifiant de compte associé audit compte, un service d'authentification. En outre, le procédé consiste à déterminer, sur la base au moins dudit service d'authentification et d'une partie dudit identifiant de compte, une réponse d'authentification. Le procédé consiste également à transmettre, à un commerçant associé à une transaction impliquant ledit compte, ladite réponse d'authentification.