MEANS OF AUTHENTICATING A CONSUMER USING DEMAND DEPOSIT ACCOUNT DATA
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United States of America Patent
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N/A
Issued Date -
Sep 18, 2014
app pub date -
Mar 15, 2013
filing date -
Mar 15, 2013
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Authenticating a device holder using a payment device. The method comprises receiving identifying information related to a payment device from a device holder to be authenticated. A data repository is solicited for transactional information related to an account drawn upon by the payment device. One or more challenge questions are presented to the device holder to be authenticated, the challenge questions being related to the transactional information. The device holder to be authenticated responds to the one or more challenge questions. Based on the responses, it is determined whether at least a predetermined number of the responses to the one or more challenge questions corresponds with the transactional information. The device holder may be authenticated based upon the determining that at least a predetermined number of the responses to the one or more challenge questions correspond with the transactional information.
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