Patent ID: 7819322

Claim:
A method comprising: receiving, at a server computer, an authorization request message associated with a transaction conducted using a portable consumer device, wherein the portable consumer device comprises a portable consumer device fingerprint, and wherein the authorization request message comprises an altered portable consumer device fingerprint and an algorithm identifier, wherein the authorization request message further comprises an account number associated with the portable consumer device and a transaction amount associated with the transaction; selecting, using the server computer, an algorithm from among a plurality of algorithms associated with different types of portable consumer device fingerprinting systems using the algorithm identifier, wherein the different types of portable consumer device fingerprinting systems are associated with different companies who each uses its own proprietary algorithm in an access device to alter the portable consumer device fingerprint; determining, using the server computer, the portable consumer device fingerprint using the selected algorithm and the altered portable consumer device fingerprint; determining, using the server computer, whether the transaction meets a confidence threshold by determining a reliability associated with the selected algorithm; determining, using the server computer, if the portable consumer device fingerprint matches a stored portable consumer device fingerprint; and sending, using the server computer, an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.