Patent ID: 8135647
Filing Date: 2012-03-13
Classification: G06Q,H04L

Abstract:
1. A method comprising: receiving, by a server computer from a merchant via an acquirer of the merchant, an authorization request message associated with a consumer conducting a transaction with a portable consumer device, wherein the authorization request message is generated by an access device at the merchant after the consumer uses the portable consumer device to interact with the access device; determining, by the server computer, if a challenge message is needed; sending, by the server computer, the challenge message to the consumer, wherein the challenge message is dynamic; receiving a challenge response message from the consumer; and sending an authorization response message to the consumer, wherein the authorization response message indicates whether or not the transaction is authorized, wherein the authorization request message comprises a bank identification number and a transaction amount associated with the transaction, wherein the challenge message is sent to a phone of the consumer, and wherein the consumer thereafter enters a response to the challenge message into the access device, wherein the challenge response message is received from the access device via the acquirer.