Seeding challenges for payment transactions

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8380629
APP PUB NO 20080319904A1
SERIAL NO

12140215

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process.

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First Claim

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Patent Owner(s)

  • VISA U.S.A. INC.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Carlson, Mark Half Moon Bay, US 283 15684
Faith, Patrick Pleasanton, US 198 14310

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