SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR REQUIRING AND VALIDATING OPERATOR IDENTIFICATIONS IN CARD-NOT-PRESENT TRANSACTIONS

摘要

A system and computer-implemented method for processing CNP transactions using a 3DS protocol, and protecting against fraud by requiring and validating merchant (or acquirer) and card issuer operator IDs prior to authorization. Operator IDs may be obtained by completing a compliance test and enrolling in a compliance program. When an AREQ is received from a merchant (or acquirer), the presence and validity of the merchant's unique operator ID is checked. The AREQ may be sent to a corresponding card issuer depending on, e.g., whether the merchant's unique Operator ID is confirmed. When an ARES is received from the card issuer, the presence and validity of the card issuer's unique operator ID is checked. The ARES may be sent to the merchant depending on, e.g., whether the card issuer's unique Operator ID is confirmed.