Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2001-04-24
2010-11-02
Worjloh, Jalatee (Department: 3685)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S064000, C705S072000, C705S044000
Reexamination Certificate
active
07827115
ABSTRACT:
A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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Bray Peter
Dominguez Benedicto H.
Hill Peter R.
Lewis Tony D.
Manessis Thomas J.
Beyer Law Group LLP
Visa International Service Association
Worjloh Jalatee
LandOfFree
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