Consumer authentication system and method

This invention describes a way to make payment card transactions more secure. When someone uses a payment card, a central computer checks various transaction details to decide if an extra security step is needed. If it is, the system sends a dynamic question to the cardholder, who must provide the correct answer for the transaction to be approved.

Why it matters: Since 2022, advancements in AI and machine learning have made real-time risk assessment and dynamic content generation more robust. This could simplify the server's ability to determine when a challenge is needed and create more effective, personalized challenge questions.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, payment system integration

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