Adaptive authentication options

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 10346837
APP PUB NO 20080120214A1
SERIAL NO

11935740

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.

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Patent Owner(s)

  • VISA U.S.A. INC.

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Faith, Patrick Pleasanton, US 198 14337
Steele, Kim Aldie, US 6 810
Van, Deloo Lori D Los Altos, US 8 281
Weller, Kevin San Anselmo, US 18 1789
Yakel, Mike Charlotte, US 2 93

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