Block, Inc.
Payment transaction authentication system and method

Abstract:

This disclosure describes, in part, techniques for validating a payment transaction between a customer and a merchant via challenge questions. For instance, the method includes determining, by a payment processing system, a level of risk associated with a current payment transaction between the merchant and the customer; in response the level of risk being higher than a threshold, obtaining a query for the customer, wherein the query is based at least on the current payment transaction or one or more past transactions involving the customer; receiving, from a customer device associated with the customer, a response to the query; and validating the current payment transaction based on the response.