Authentication of card-not-present transactions
View Patent ↗Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
1. A method of processing a card-not-present transaction, where the transaction is processed with a primary account number and cardholder verification information, the method comprising:
receiving, by a payment processor system, a request for a card-not-present transaction involving an enrolled consumer, the request including information identifying the enrolled consumer but wherein the information identifying the enrolled consumer is not sufficient for conducting a financial transaction;
reading, by the payment processor system, a record of information related to the enrolled consumer;
authenticating the enrolled consumer, by the payment processor system, based at least in part on the information of the request identifying the enrolled consumer and the record of information related to the enrolled consumer;
in response to authenticating the enrolled consumer, generating, by the payment processor system, a set of single-use payment information, the set of single-use payment information including at least both a one-time password and a separate dynamic Primary Account Number (PAN), wherein the dynamic PAN is valid for a single transaction and does not reveal a true PAN of the enrolled consumer;
providing single-use payment information from the payment processor system to a merchant and to the enrolled consumer, including providing a portion of the set of single-use payment information directly to a merchant system while providing another portion of the set of single-use payment information to the enrolled consumer for the consumer to provide to the merchant, with the one-time password for use in place of true cardholder verification information and the dynamic PAN for use in place of a true PAN and;
receiving, by the payment processor system, both the one-time password and the separate dynamic PAN as provided to the merchant and the enrolled consumer, in order to process the card-not-present transaction, including:
receiving, by the payment processor system, from the merchant system a request to process payment of the card-not-present transaction, the request including the dynamic PAN in place of a true PAN and the one-time password in place of true cardholder verification information;
authenticating the request to process payment of the card-not-present transaction, by the payment processor system, based on the dynamic PAN and the one-time password from the request to process payment of the card-not-present transaction;
in response to authenticating the request to process payment of the card-not-present transaction, determining, by the payment processor system, the true PAN for the enrolled consumer; and
processing payment of the card-not-present transaction, by the payment processor system, using the true PAN for the enrolled consumer.
2. The method of claim 1 , wherein receiving the request for the card-not-present transaction comprises receiving the request from a client device of the enrolled consumer.
3. The method of claim 1 , wherein receiving the request for the card-not-present transaction comprises receiving the request from a mobile device of the enrolled consumer.
4. The method of claim 1 , wherein receiving the request for the card-not-present transaction comprises receiving the request from the merchant system of a merchant involved in the transaction.
5. The method of claim 1 , wherein the information identifying the enrolled consumer comprises a phone number of the enrolled consumer.
6. The method of claim 1 , wherein the information identifying the enrolled consumer comprises an email address of the enrolled consumer.
7. The method of claim 1 , wherein the information identifying the enrolled consumer comprises a last four digits of the true PAN.
8. The method of claim 1 , wherein the record of information related to the consumer includes the true PAN and information selected from a group consisting of a phone number of the enrolled consumer and an email address of the enrolled consumer.
9. The method of claim 8 , wherein providing the set of single-use payment information from the payment processor to the enrolled consumer comprises sending an email message to the email address of the enrolled consumer.
10. The method of claim 8 , wherein the phone number of the enrolled consumer comprises a phone number of a mobile phone and wherein providing the set of single-use payment information from the payment processor to the enrolled consumer comprises sending a Short Message Service (SMS) message to the phone number of the enrolled consumer.
11. The method of claim 8 , wherein providing the set of single-use payment information from the payment processor comprises providing the set of single-use payment information to a client device or a mobile device of the enrolled consumer.
12. The method of claim 8 , wherein providing the set of single-use payment information from the payment processor, further comprises providing the set of single-use payment information directly to the merchant system.
13. The method of claim 1 , wherein generating the dynamic PAN is based on the true PAN but does not reveal the true PAN.
14. The method of claim 13 , wherein the dynamic PAN retains a portion of the true PAN for routing of the request to process payment of the card-not-present transaction to the payment processor system via a payment network.
15. The method of claim 13 , wherein the dynamic PAN retains the right-most 4 digits of the true PAN.
16. The method of claim 1 , wherein the portion of the set of single-use payment information provided directly to the merchant system comprises the dynamic PAN and wherein the another portion of the set of single-use payment information provided to the enrolled consumer comprises the one-time password.
17. A system for conducting a card-not-present transaction, where the transaction is processed with a primary account number and cardholder verification information, comprising:
a merchant system configured to provide an e-commerce website;
a client device adapted to access the e-commerce website; and
a payment processor system communicatively coupled with the merchant system and the client device, wherein the payment processor system maintains enrollment information for a user of the client device,
wherein the client device initiates a card-not-present transaction with the merchant system through the e-commerce website and requests a set of single-use payment information from the payment processor system,
wherein the payment processor system receives the request for the card-not-present transaction, the request including information identifying the user of the client device but wherein the information identifying the user of the client device is not sufficient for conducting a financial transaction, reads the enrollment information for the user of the client device, authenticates the user of the client device based at least in part on the information of the request identifying the user of the client device and the enrollment information for the user of the client device, and in response to authenticating the user of the client device, generates the set of single-use payment information, the set of single-use payment information including at least both a one-time password for use in place of true cardholder verification information and a separate dynamic Primary Account Number (PAN) for use in place of a true PAN, wherein the dynamic PAN is valid for a single transaction and does not reveal a true PAN of the user of the client device, and wherein the payment processor system provides single-use payment information to a merchant and to the enrolled customer, including providing a portion of the set of single-use payment information directly to the merchant system while providing another portion of the set of single-use payment information to the enrolled consumer for the consumer to provide to the merchant,
wherein the merchant system receives the dynamic PAN and one-time password and sends a request to process payment of the card-not-present transaction to the payment processor system, the request including the dynamic PAN and one-time password, and
wherein the payment processor system receives the request to process payment of the card-not-present transaction from a merchant system, including the dynamic PAN and the one-time password, authenticates the request to process payment of the card-not-present transaction based on the dynamic PAN and the one-time password from the request to process payment of the card-not-present transaction, and in response to authenticating the request to process payment of the card-not-present transaction, determines the true PAN for the user of the client device from the enrollment information for the user of the client device and processes payment of the card-not-present transaction using the true PAN for the user of the client device.
18. The system of claim 17 , wherein the payment processor system receives the request for the card-not-present transaction from the client device.
19. The system of claim 17 , wherein the payment processor system receives the request for the card-not-present transaction from a mobile device of the enrolled consumer.
20. The system of claim 17 , wherein the payment processor system receives the request for the card-not-present transaction from the merchant system.
21. The system of claim 17 , wherein the information identifying the user of the client device comprises one or more of a phone number, an email address, and a last four digits of the true PAN.
22. The system of claim 17 , wherein the enrollment information for the user of the client device includes the true PAN and information selected from a group consisting of a phone number and an email address.
23. The system of claim 22 , wherein the payment processing system provides the set of single-use payment information to the user by sending an email message including the set of single-use payment information from the payment processor system to the email address.
24. The system of claim 22 , further comprising a mobile phone, wherein the phone number of the enrolled information comprises a phone number of the mobile phone and wherein the payment processing system provides the set of single-use payment information to the user by sending a Short Message Service (SMS) message including the set of single-use payment information from the payment processor system to the mobile phone.
25. The system of claim 17 , wherein the portion of the set of single use payment information provided directly to the merchant system comprises the dynamic PAN and wherein the another portion of the set of single use payment information provided to the enrolled customer comprises the one-time password.