System and method for authenticating a transaction
AssigneeMastercard International Incorporated
InventorManoneet Kohli
Life of this patent
Estimating the term…
Abstract
Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. The executed payment software may authenticate, with an external server, that the account is paired with the payment software of the user device, and transmit a result of the authenticating to a payment network.
Claims21
An authentication method comprising:
- transmitting, from a user device to a merchant device, account information of a cardholder which is stored on the user device;
- receiving, from the merchant device, a request to authenticate the account information of the cardholder;
- and
- executing payment software installed within a web browser of the user device for authenticating the account information of the cardholder, wherein the executing payment software verifies, with an external browser server, that the account information of the cardholder is paired with the payment software installed on the user device, and transmits a result of the authenticating to a payment network.
A user device, comprising:
- a network interface configured to transmit, to a merchant device, account information of a cardholder stored on the user device, and to receive, from the merchant device, a request to authenticate the account information of the cardholder;
- and
- a processor configured to execute a payment software installed within a web browser of the user device for authenticating the account information of the cardholder,
- wherein the executing payment software verifies, with an external browser server, that the account information of the cardholder is paired with the payment software of the user device, and the transmitter transmits a result of the authenticating to a payment network.
A non-transitory computer readable medium storing instructions that when executed by a processor cause a computer to perform a method comprising:
- transmitting, from a user device to a merchant device, account information of a cardholder which is stored on the user device;
- receiving, from the merchant device, a request to authenticate the account information of the cardholder;
- and
- executing payment software installed within a web browser of the user device for authenticating the account information of the cardholder, wherein the executing payment software verifies, with an external browser server, that the account information of the cardholder is paired with the payment software installed on the user device, and transmits a result of the authenticating to a payment network.
Dependencies are inferred from the claim text.