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    • 6. 发明申请
    • MULTI-POINT AUTHENTICATION FOR PAYMENT TRANSACTIONS
    • 支付交易的多点认证
    • US20160275500A1
    • 2016-09-22
    • US14669626
    • 2015-03-26
    • International Business Machines Corporation
    • Timothy C. BuchholtzMorgan D. DavisDaniel RamirezMichael J. Rohn
    • G06Q20/40G06Q20/20
    • G06Q20/204G06Q20/202G06Q20/3227G06Q20/325G06Q20/3274G06Q20/3278G06Q20/34G06Q20/385G06Q20/40G06Q20/4012G06Q20/40145G06Q20/425
    • Authentication includes receiving an indication of physical possession of a payment card by a merchant and receiving a purchase request for an authorization of an exchange from the payment account of the cardholder to the merchant. Authentication includes assigning a randomized transaction identifier to the request for the authorization of the exchange. The method also includes transmitting the request for the authorization of the exchange from the payment account of the cardholder to the merchant and receiving the assigned randomized transaction identifier and a randomized authentication identifier associated with the randomized transaction identifier from a payment association, the payment association determining whether the request for the authorization of the exchange is valid. Authentication includes transmitting a copy of the randomized authentication identifier to the mobile device and receiving validation that the transmitted copy of the randomized authentication identifier from the mobile device matches the randomized authentication identifier.
    • 验证包括接收商家实际拥有支付卡的指示,并从持卡人的支付账户向商家接收交换授权的购买请求。 验证包括将随机交易标识符分配给交换机的授权请求。 所述方法还包括从所述持卡人的所述支付帐户向所述商家发送所述交换机的授权请求,以及从所述支付关联接收所分配的随机交易标识符和与所述随机交易标识符相关联的随机化认证标识符,所述支付关联确定 交易授权的请求是否有效。 验证包括将随机化认证标识符的副本发送到移动设备并且接收来自移动设备的随机化认证标识符的发送副本与随机化认证标识符匹配的验证。