1
Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith: Online challenge-response. Visa International Service Association, Kilpatrick Townsend & Stockton, September 10, 2013: US08533118 (54 worldwide citation)

Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presen ...


2
Kevin Weller, Kim Steele, Krishna Koganti, Patrick Faith: Online challenge-response. Visa International Service Association, Kilpatrick Townsend & Stockton, February 20, 2018: US09898740 (1 worldwide citation)

Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presen ...


3
Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith: Online challenge-response. Visa International Service Association, Kilpatrick Townsend Stockton, June 24, 2014: US08762279

Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presen ...


4
Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D Van Deloo: Adaptive authentication options. Townsend And Townsend Crew, May 22, 2008: US20080120214-A1

A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in ...


5
Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith: Online challenge-response. Townsend And Townsend Crew, May 6, 2010: US20100114776-A1

Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presen ...


6
Patrick Faith, Krishna Prasad Koganti, Lori D Van Deloo, Taylor Montgomery Mason, Kim Steele, Kevin Weller, Ayman Hammad, Kevin Eric Wong: Recovery of transaction information. Townsend And Townsend Crew, December 17, 2009: US20090313134-A1

Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the autho ...