Consumer authentication system and method

Details Consumer authentication system and method Consumer authentication system and method

G - Physics

06

Q

G06Q 20/00 (2006.01)

Patent

CA 2655015

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.

L'invention concerne un procédé d'authentification d'un consommateur. Le procédé comporte l'étape consistant à recevoir un message de requête d'autorisation associé à un consommateur qui procède à une transaction avec un dispositif d'achat portable. Un message de demande d'accès est envoyé au consommateur, le message de demande d'accès étant dynamique ou semi-dynamique. Un message de réponse de demande d'accès est reçu par le consommateur et un message de réponse d'autorisation est adressé au consommateur. Le message de réponse d'autorisation indique si la transaction est autorisée ou non.

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