2008년 6월 18일 수요일

CreditCard Amount Authentication

신용카드 금액인증.


1. Basic Concept

  • Credit Card Amount Authentication authenticates card holder with the approval amount.
  • The AA(Amount Authentication) server generate random unique amount (AA code) and get the approval with it.
  • The card holder have to find the approved amount from his card issuer
  • If the amount (submitted from card holder) is same to AA code, the authentiation is completed.

2. Basic Concept Flow



2.1 Basic Concept Flow2



3. Benefit


  • It’s Easy and Strong


    • It is very easy to understand and implement
    • But it’s also strong

  • Issuer independent


    • AA mechanism covers 100% card issuers
    • even if they are not yet ready.

  • Platform independent


    • With the minimal authentication value (Amount)
    • AA works on any platforms (PC, Mac, Wireless Phone, etc)

  • Fraud free


    • AA mechanism is strong enough to down fraud rate to 0%

4. General Information about AA

  • AA operator have to meet the PCIDSS compliant
  • Initiated from PayGate Inc.
    • PayGate Inc., Seoul, Korea
      www.paygate.net
  • If any questions, send mail to Mountie Lee (mountie@paygate.net)