Abstract: The invention described in this specification relates generally to fraud prevention, and more particularly, to prevention of payment card-based fraud. (FIGS. 1, 2 and 3) Previously to verify the authenticity of the cardholder before completing the transaction additional information was obtained from the cardholder at the time of the transaction. Embodiments of the present invention include a process to prevent card payment fraud by using a specified duration of time to limit fraudulent card payment activity using an IS08583 message set. In other embodiments, the process uses a timed authorization period which starts prior to a transaction and during which the transaction is to be completed with a payment card.