Seeding challenges for payment transactions

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United States of America Patent

PATENT NO 8380629
APP PUB NO 20080319904A1
SERIAL NO

12140215

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ATTORNEY / AGENT: (SPONSORED)

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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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Patent Owner(s)

Patent OwnerAddress
VISA U S A INCP O BOX 194607 SAN FRANCISCO CA 94119-4607

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Carlson, Mark Half Moon Bay, US 287 17386
Faith, Patrick Pleasanton, US 198 15701

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