METHOD AND SYSTEM FOR SECURE CONSUMER IDENTIFICATION

Title:

METHOD AND SYSTEM FOR SECURE CONSUMER IDENTIFICATION

Document Type and Number:

WIPO Patent Application WO/2015/134385

Kind Code:

A3

Abstract:

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

Inventors:

GUINEY CHRISTOPHER A (US)
CARPENTER TRAVIS M (US)

Application Number:

PCT/US2015/018307

Publication Date:

October 29, 2015

Filing Date:

March 02, 2015

Export Citation:

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Assignee:

MASTERCARD INTERNATIONAL INC (US)

International Classes:

G06K5/00

Foreign References:

US20080103968A1	2008-05-01
US20030009382A1	2003-01-09
US20110011931A1	2011-01-20
US20110068170A1	2011-03-24

Other References: