Patent ID: 8473355
Filing Date: 2013-06-25
Classification: G06Q,G07F

Abstract:
1. A method comprising steps of: providing, via a computing device, a first set of e-commerce services to an accountholder of a first account type, the first set of services requiring a single authentication level; presenting, via a computing device, a one-time challenge/response mechanism that requires said accountholder to provide information known only to the accountholder comprising at least a portion of a credit card number stored in said first account type that is associated with said accountholder; if the accountholder clears the challenge, creating, via a computing device, a second account type requiring, for subsequent transactions, multiple authentication levels, and providing a different set of services for each authentication level, if the holder of the first set of services does not clear the challenge, allowing, via a computing device, a predetermined number of attempts to enter the information known only to the holder of the first set of services; and if the holder of the first set of services fails the predetermined number of attempts, allowing, via a computing device, the holder of the first set of services to provide a new credit card number; and presenting a challenge based on the new credit card number.