Mastercard Incorporated
TECHNIQUES FOR PERFORMING AUTHENTICATION IN ECOMMERCE TRANSACTIONS

Abstract:

The present invention provides a technical solution by which a consumer can be successfully authenticated in the scenario where the payment card or payment token provided by the consumer in an e-commerce/card not present transaction does not correspond to the payment account that is to provide the funds for effecting payment. This technical solution advantageously ensures that authentication security is not compromised whilst also enabling the consumer to enjoy the increased flexibility that comes with funding a transaction using a payment account that is not associated with the payment card/token provided by the consumer. Additionally, the present invention requires relatively little change to the configuration of the computing devices that collectively function to enable the transaction to take place (e.g. payment network computing devices, merchant computing devices, access control servers (ACS)).