Patent ID: 8688543
Filing Date: 2014-04-01
Classification: G06Q

Abstract:
1. A method for minimizing risk of a consumer performing a fraudulent Internet purchase transaction using a transaction card, the method comprising, in order: receiving, at a directory server (DS), an enrollment verification request message for a transaction from a merchant purchase interface (MPI) to verify enrollment of the consumer, wherein the enrollment verification request message comprises an account number; verifying, by the directory server (DS), whether the consumer is enrolled based on whether cardholder authentication is available for the account number; if cardholder authentication is available for the account number, transmitting, by the directory server, the enrollment verification request message to an access control server (ACS) located at and operated by an issuer; receiving, at the directory server, an enrollment verification response message from the access control server; determining, by a risk management engine (RME), that the transaction is risky based on at least a portion of the enrollment verification request message; modifying, by the directory server, the enrollment verification response message to denote the transaction is risky, and forwarding, by the directory server, the modified enrollment verification response message to the merchant purchase interface; wherein after receiving the modified enrollment verification response message, the merchant purchase interface sends a payer authentication request to a consumer browser used by the consumer, which is then forwarded to the access control server, wherein the access control server thereafter sends a payer authentication response to the merchant purchase interface via the consumer browser, and wherein a merchant associated with the merchant purchase interface commences an authorization exchange with an acquirer associated with the merchant.