Consumer authentication system and method

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.

2. The method of claim 1 wherein the portable consumer device is in the form of a card or a mobile phone.

3. The method of claim 1 wherein the challenge message includes a question.

4. The method of claim 1 wherein the consumer's transaction history is used to create the challenge message.

5. The method of claim 1 wherein the server is in a payment processing network, and wherein the method further comprises:

forwarding the authorization request message to an issuer of the portable consumer device; and

receiving the authorization response message from the issuer before sending the authorization response message to the consumer.

6. The method of claim 5 wherein the payment processing network is configured to process debit and credit card transactions, and perform clearing and settlement.

7. The method of claim 1 wherein the authorization request message is received at an issuer, and the issuer sends the challenge message to the consumer, and receives the challenge response message from the consumer, and wherein the issuer further analyzes the challenge response message from the consumer to determine if the consumer provides a correct challenge response message before sending the authorization response message to the consumer.

8. The method of claim 1 wherein the challenge message includes a question, and uses the consumer's location to create the challenge message.

9. A non-transitory computer readable medium comprising:

code, executable by a processor, for performing 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.

10. A server computer comprising

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor for performing 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.

11. A method comprising:

receiving, by a server computer from a merchant via an acquirer of the merchant, a first authorization request message associated with a consumer conducting a transaction with a portable consumer device, wherein the first 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;

receiving a second authorization request message including a challenge response message from the merchant via the acquirer of the merchant; and

sending an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized,

wherein the first authorization request message comprises a bank identification number and a transaction amount associated with the transaction and the second authorization request message comprises the bank identification number,

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 second authorization request message including the challenge response message is received from the access device via the acquirer.

12. The method of claim 11 wherein the second authorization request message comprises a zero dollar amount.

13. The method of claim 11 wherein the server computer comprises a transaction code that links the first and second authorization requests.

14. The method of claim 11 wherein the server computer is in a payment processing network that is configured to process debit and credit card transactions, and perform clearing and settlement.

15. A non-transitory computer readable medium comprising code, executable by a processor, for performing a method comprising

receiving, by a server computer from a merchant via an acquirer of the merchant, a first authorization request message associated with a consumer conducting a transaction with a portable consumer device, wherein the first 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;

receiving a second authorization request message including a challenge response message from the merchant via the acquirer of the merchant; and

sending an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized,

wherein the first authorization request message comprises a bank identification number and a transaction amount associated with the transaction and the second authorization request message comprises the bank identification number,

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 second authorization request message including the challenge response message is received from the access device via the acquirer.

16. A server comprising:

a processor; and

a computer readable medium comprising code, executable by the processor for performing a method comprising

receiving, by a server computer from a merchant via an acquirer of the merchant, a first authorization request message associated with a consumer conducting a transaction with a portable consumer device, wherein the first 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;

receiving a second authorization request message including a challenge response message from the merchant via the acquirer of the merchant; and

sending an authorization response message, wherein the authorization response message indicates whether or not the transaction is authorized,

wherein the first authorization request message comprises a bank identification number and a transaction amount associated with the transaction and the second authorization request message comprises the bank identification number,

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 second authorization request message including the challenge response message is received from the access device via the acquirer.