Intelligent authentication
Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
1. A system comprising:
a server computer coupled to a payment processing network capable of receiving a payment initiation request;
an issuer profile database, accessible by the server computer, that contains an issuer profile for an issuer, wherein the issuer profile indicates one or more authentication channels that may be used by the issuer to authenticate a payment transaction; and
an application program stored on the server computer that determines a plurality of communication channels, available for use by a mobile device of a user, that can be used as authentication channel for authenticating the payment transaction, and compares the plurality of communication channels, available for use by the mobile device, with the one or more authentication channels in the issuer profile to determine a list of communication channels that may be used to authenticate the payment transaction.
2. The system of claim 1 , wherein the application program determines the plurality of communication channels, available for use by the mobile device of the user, by querying a mobile device profile database.
3. The system of claim 2 , wherein the mobile device profile database is accessible by a payment processing network and wherein the mobile device profile database is also accessible by the server computer through the payment processing network.
4. The system of claim 1 , wherein the application program determines the plurality of communication channels, available for use by the mobile device, by receiving a device characteristic identifier from a merchant.
5. The system of claim 1 , wherein the issuer profile is stored in a issuer profile database accessible by the payment processing network and wherein the issuer profile database is also accessible by the server computer through the payment processing network.
6. The system of claim 1 , wherein the application program determines the list of communication channels that may be used as authentication channel to authenticate the payment transaction by considering a plurality of criteria that govern a selection of suitable communication channels.
7. The system of claim 6 , wherein the plurality of criteria that govern the selection of suitable communication channel that may be used as authentication channels include regional limitations, an initiation channel used by the user to reach the merchant, a type of the transaction, and an amount of the transaction.
8. The system of claim 1 , wherein the application program determines the list of communication channels that may be used to authenticate the payment transaction after receiving a payment initiation request from merchant on behalf of the user.
9. The system of claim 8 , wherein the application program provides the merchant with the list of communication channels that may be used to authenticate the payment transaction.
10. The system of claim 1 , wherein the mobile device is a cellular phone.
11. A method comprising:
receiving a payment initiation request to perform a payment transaction, using a server computer, from a merchant on behalf of a user;
accessing an issuer profile database, using the server computer, and retrieving a list of communication channels that may be used as authentication channels by an issuer;
determining a plurality of communication channels, available for use by a mobile device of the user, that may be used for authenticating the payment transaction, using an application program stored on the server computer;
comparing the list of communication channels that may be used as authentication channels by the issuer with a plurality of communication channels, available for use by a mobile device of the user, using the application program; and
generating a list of authentication channels that may be used to authenticate the payment transaction, using the application program.
12. The method of claim 11 , further comprising:
providing the merchant with the list of authentication channels that may be used to authenticate the payment transaction, using the server computer;
receiving an authentication request and a notification from the merchant about a selected authentication channel by the user, using the server computer; and
redirecting the authentication request to the issuer, using the server computer.
13. The method of claim 11 , wherein the application program determines the plurality of communication channels, available for use by the mobile device of the user, by querying a mobile device profile database.
14. The method of claim 13 , wherein the mobile device profile database is accessible by a payment processing network and wherein the mobile device profile database is also accessible by the server computer through the payment processing network.
15. The method of claim 11 , wherein the application program determines the plurality of communication channels, available for use by the mobile device, by receiving a device characteristic identifier from the merchant.
16. The method of claim 11 , wherein the issuer profile is stored in a issuer profile database accessible by the payment processing network and wherein the issuer profile database is also accessible by the server computer through the payment processing network.
17. The method of claim 11 , wherein the application program determines the list of communication channels that may be used as authentication channel to authenticate the payment transaction by considering a plurality of criteria that govern a selection of suitable communication channels.
18. The method of claim 17 , wherein the plurality of criteria that govern the selection of suitable communication channel that may be used as authentication channels include regional limitations, an initiation channels used by the user to reach the merchant, a type of the transaction, and an amount of the transaction.