METHOD AND SYSTEM OF COOKIE DRIVEN CARDHOLDER AUTHENTICATION SUMMARY
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United States of America Patent
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N/A
Issued Date -
Sep 4, 2014
app pub date -
Mar 1, 2013
filing date -
Mar 1, 2013
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A method for authenticating a financial transaction includes: storing a plurality of transaction data entries, each transaction data entry including data related to a financial transaction and including transaction data and a consumer identifier; receiving cookie data, the cookie data including a computing device identifier and historical browsing data; receiving an authorization request for a financial transaction, the authorization request including a consumer identification; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset includes a consumer identifier corresponding to the consumer identification; identifying an authentication score for the financial transaction based on a correlation of transaction data included in each transaction data entry of the subset and the historical browsing data; and transmitting the identified authentication score and consumer identification for use in approval of the financial transaction by an issuer.
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