methods and systems for authorizing a transaction between a consumer and a commercial establishment, for conducting a transaction between a consumer and a commercial establishment and for requesting authorization for a transaction between a consumer and a commercial establishment.

摘要

methods and systems for authorizing a transaction between a consumer and a commercial establishment, for conducting a transaction between a consumer and a commercial establishment and for requesting authorization for a transaction between a consumer and a commercial establishment systems, methods, and apparatus for operating and / or authorizing payment requests by a consumer for a transaction are provided. identification questions can be posed from the non-commercial establishment to the consumer after receiving payment information, thereby allowing a judicious determination of when to ask such identification questions and allowing complex and probing questions. the time limit for such identification questions can be advantageously unlimited, while still preserving security. also, a risk analysis can be started before the consumer submits payment information, thus allowing for an efficient and complex risk analysis. information about an access device used by the consumer can be obtained in the non-commercial establishment of the access device with code sent to the access device of the commercial establishment, and the device information can be used in the risk analysis.