Adaptive authentication options

Details Adaptive authentication options Adaptive authentication options

G - Physics

06

Q

G06Q 20/40 (2012.01)

Patent

CA 2670264

A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.

L'invention concerne un procédé d'authentification de client pour un dispositif de client portable. Un mode de réalisation de l'invention comprend les étapes consistant à recevoir un message de transaction concernant la demande d'un client d'effectuer une transaction en utilisant un dispositif de client portable, le client s'étant préalablement inscrit dans un programme d'authentification et ayant été préalablement authentifié, à analyser le message de transaction pour déterminer si un évènement de ré-authentification a eu lieu, à provoquer l'envoi d'un message de ré-authentification au client avant d'initier un message de demande d'autorisation à l'émetteur si l'évènement de ré-authentification a eu lieu, et à initier le message de demande d'autorisation à l'émetteur sans envoyer le message de ré-authentification au client si l'évènement de ré-authentification n'a pas eu lieu.

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