Consumer authentication system and method
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United States of America Patent
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Mar 13, 2012
Issued Date -
N/A
app pub date -
Jun 14, 2007
filing date -
Jun 19, 2006
priority date (Note) -
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status (Latency Note)
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Abstract
A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
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