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Authentication framework extension to verify identification information

A technology of authentication control and data, which is applied in the field of authentication framework expansion to verify identification information, and can solve problems such as different authentication requirements

Inactive Publication Date: 2012-11-14
VISA INT SERVICE ASSOC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, trading accounts are frequently used for other types of transactions that are not direct purchase transactions
Additionally, these types of transactions may have different authentication requirements than just authenticating the consumer who is participating in the transaction

Method used

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  • Authentication framework extension to verify identification information
  • Authentication framework extension to verify identification information
  • Authentication framework extension to verify identification information

Examples

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Embodiment Construction

[0021] The use of transaction accounts, such as debit and credit accounts, to pay for goods and services has become ubiquitous. Merchants or vendors that don't accept credit or debit cards for payment are becoming increasingly rare. In the world of e-commerce, paying with a debit or credit card account is almost a requirement as more traditional forms of payment such as cash and checks are generally insufficient or impossible to use online.

[0022] Credit or debit transaction accounts, also referred to simply as accounts, are used for a long time to pay for goods or services provided by merchants. Typically, an account holder purchasing a good or service presents an account identifier, such as a plastic credit card, a smart card, or even the account number itself, to the merchant. The merchant requests authorization from the account's issuer to determine whether sufficient funds or credit are available to make the purchase. If sufficient funds are available, the transaction...

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PUM

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Abstract

Systems and methods for authenticating parties involved in a transaction are disclosed. Some embodiments of the disclosure are directed to systems and methods for authenticating various identification attributes of a participant in a transaction. The attributes can include items such as the participants name, address, social security number, date of birth, or any other identifying attributes. In some embodiments, all participants in a transaction may have identification information authenticated. The 3-D Secure protocol and framework is extended and enhanced to provide the ability to authenticate the identification details of participants in transactions.

Description

[0001] Cross References to Related Applications [0002] This application is a PCT application of, and claims priority to, U.S. Patent Application No. 61 / 299,912, filed January 29, 2010, entitled "AUTHENTICATION FRAMEWORK EXTENSION TO VERIFY IDENTIFICATION INFORMATION," which The content of the application is hereby incorporated by reference in its entirety for all purposes. Background technique [0003] E-commerce accounts are frequently used by consumers to make purchases or participate in other transactions. E-commerce accounts include credit cards, debit cards, prepaid gift cards, travel cards, or any other account that can be used to purchase goods or services or participate in other types of transactions. The increasing reliance on e-commerce accounts (which may also be referred to as transaction accounts) has led to a need to ensure the security and reliability of transactions conducted through these accounts. [0004] The 3-D Secure Authentication Protocol and Framew...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/40
CPCG06Q30/018G06Q20/382G06Q20/40G06Q20/10G06Q20/4014
Inventor B·多明格斯J·萨霍塔T·拉贾
Owner VISA INT SERVICE ASSOC