Patent ID: 9600819
Date: 2017-03-21
CPC Classifications: G06Q

Claim:
1. A computer-implemented method for creating an assurance level based on authentication data attributes electronically captured by a merchant computing device, the method implemented using a computer device coupled to a memory device, the method comprising: receiving, from a sender, an authentication request message associated with a financial transaction initiated by a cardholder, wherein the authentication request message includes authentication data attributes relating to the cardholder's interaction with the merchant computing device; performing an authentication routine for authenticating the cardholder as the actual cardholder using the authentication data attributes; transmitting an authentication response to the sender including results of the authentication routine; receiving an authorization request message associated with the financial transaction from the sender, the authorization request message including a fraud risk assessment of the financial transaction determined using the authentication response, the authorization request message including one or more reason codes associated with fraud risk assessment; and transmitting the received authorization request message to an issuer associated with the cardholder.