OUT OF BAND AUTHENTICATION AND AUTHORIZATION PROCESSING

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United States of America Patent

SERIAL NO

14280498

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Abstract

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Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONP O BOX 8999 SAN FRANCISCO CA 94128

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Li, Shaw San Francisco, US 10 860
Liu, Frederick Oakland, US 15 903
Nelsen, Mark Oakland, US 16 477
Powell, Glenn Fremont, US 65 5026

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