ENHANCEMENTS TO TRANSACTION PROCESSING IN A SECURE ENVIRONMENT
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United States of America Patent
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Issued Date -
Apr 30, 2015
app pub date -
Oct 29, 2014
filing date -
Oct 29, 2013
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Abstract
Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
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