Patent ID: 8489506

Claim:
A computer-implemented method comprising: receiving an authorization request message associated with a payment transaction, by a server computer, wherein the authorization request message is generated after an interaction between a portable consumer device and an access device, wherein as a result of the interaction, the access device reads an account number and an expiration date associated with the portable consumer device; after receiving the authorization request message, selecting an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using an algorithm identifier stored on a non-transitory computer readable medium of the server computer, wherein different types of portable consumer device fingerprinting systems are associated with different companies that each use their own proprietary algorithm in the access device to alter a fingerprint of a portable consumer device; analyzing the authorization request message, using the server computer, for one or more characteristics of the portable consumer device or the access device to determine when a confidence threshold associated with the payment transaction is met or exceeded; and when the confidence threshold is not exceeded, performing additional authentication processing, by the server computer, to authenticate the portable consumer device for the payment transaction.