Methods and systems for verifying cardholder authenticity when provisioning a token

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 10460322
APP PUB NO 20150066768A1
SERIAL NO

14472617

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A computer-implemented method for verifying cardholder authenticity when provisioning a token is provided. The method uses an authentication server system having a processor and a memory. The method includes receiving, by the processor, a payment card account identifier provided by a payment requestor. The payment card account identifier for identifying a payment account associated with a cardholder. The method also includes determining a plurality of authentication data associated with the payment requestor, and performing an authentication process using the plurality of authentication data. The authentication process is configured to determine if the payment requestor is the cardholder. The method further includes determining an assurance level associated with the authentication process. The assurance level represents a level of confidence in the authentication process. Moreover, the method includes generating a token for the payment account, and storing the token with the payment card account identifier and the assurance level.

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Patent Owner(s)

  • MASTERCARD INTERNATIONAL INCORPORATED

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Haymond, Sherri Darien, US 4 84
Reany, Robert Stamford, US 2 68
Syed, Salman Pelham, US 2 68
Williamson, Gregory Stamford, US 8 494

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