Authentication Token:

A Secret issued to or chosen by a STAR Account Holder, and other data, which is used to verify the identity of the STAR Account Holder. In the eSign Authentication Program, the Authentication Token is an Authenticator-issued Secret and additional data that must include a PAN or ePAN. In the Retail ID Authentication Program, the Authentication Token is a Secret and additional data issued by a STAR Network-approved third party. For the Bill Payment Authentication Program, the Authentication Token may be non-secret data known to the STAR Account Holder and the bill payor but not commonly known information (e.g., bill payor account number or information present on the bill payor’s hard copy bill). The method for creating, distributing and authenticating Authentication Tokens in the Retail and Bill Payment Authentication Programs must be approved for use by the STAR Network.

Back to Definitions, Merchant Account Glossary.