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A UNIVERSAL AND INTEROPERABLE SYSTEM AND METHOD UTILIZING A UNIVERSAL CARDHOLDER AUTHENTICATION FIELD (UCAF) FOR AUTHENTICATION DATA COLLECTION AND VALIDATION
A UNIVERSAL AND INTEROPERABLE SYSTEM AND METHOD UTILIZING A UNIVERSAL CARDHOLDER AUTHENTICATION FIELD (UCAF) FOR AUTHENTICATION DATA COLLECTION AND VALIDATION
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机译:使用通用卡式身份验证字段(UCAF)进行身份验证数据收集和验证的通用且可互操作的系统和方法
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摘要
A method is provided for conducting a financial transaction by a consumer over a communication network and involving a payment network having an issuer for authorizing the transaction based on standard authorization criteria including transaction data and based on a positive authentication of the consumer. The method comprises: utilizing one of a plurality of authentication mechanisms for providing the consumer cardholder authentication data; utilizing a universal cardholder authentication field for transmitting to a merchant the cardholder authentication data regardless of the authentication mechanism utilized; generating an authorization request including the cardholder authentication data and forwarding that request over the payment network for verification by the issuer.
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