Visa Inc.
NAME VERIFICATION SERVICE

Abstract:

A method is provided for verifying a cardholder name associated with a payment device used in connection with a card-not-present transaction. The method includes the steps of maintaining a database including a plurality of records pertaining to historically processed transactions, receiving, at a name verification server, a cardholder name verification request including a submitted primary account number of a payment device and a submitted cardholder name, querying the database to identify one or more records that include an indication of a primary account number that matches the submitted primary account number included in the cardholder name verification request, comparing at least one cardholder name in the identified one or more records to the submitted cardholder name included in the cardholder name verification request, determining whether or not there is a sufficient match resulting from said comparing, generating a name verification response, and sending the name verification response to the merchant server.