Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1996-05-30
1999-11-23
Hajec, Donald
Registers
Systems controlled by data bearing records
Credit or identification card systems
235379, G06K 500
Patent
active
059884975
ABSTRACT:
A dynamic authentication process having multiple tiers of validation. A first tier of validation authenticates the credit transaction based upon static personal identification numbers. If this first tier of validation is satisfied, a threshold determination is made as to whether a secondary tier of validation is required. These thresholds are defined by either the service provider or the card holder to address the additional costs of a second tier of validation.
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Hajec Donald
MCI Communications Corporation
Tremblay Mark
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