# US 10,769,632 B2 · Multi-commerce channel wallet for authenticated transactions

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- Number: US 10,769,632 B2
- Document ID: US10769632B2
- Status: Granted
- Kind: B2
- Application number: 15/481,114
- Filed: 2017-04-06
- Published: 2017-08-24
- Granted: 2020-09-08
- Earliest claimed: 2010-08-12
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Shoon Ping Wong; Kenneth Chung Lem Moy; Celine Martig; Pablo Fourez; Alan Mushing; Fredrik Lundequist; Michael Ameiss; Michael Shaon
- Web page: https://patentgrep.com/patent/US10769632B2

## CPC

- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/351: {Virtual cards}
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/367: {involving electronic purses or money safes}
- G06Q 20/3674: {involving authentication}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- H04L 63/10: {for controlling access to devices or network resources}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

## Claims

### Claim 1

A method of authenticating an identity of a cardholder during a browser-based electronic transaction between the cardholder and a merchant, via a cardholder browser, involving a payment card utilizing 3D Secure protocols, the method being carried-out by a merchant plug-in and comprising the steps of:
a) sending, by the merchant plug-in, a verify enrollment request to a directory server to identify an access control server suitable for authenticating the electronic transaction;
b) receiving, by the merchant plug-in from the directory server, a verify enrollment response, said verify enrollment response including a URL address of the access control server;
c) sending a payor authentication request from said merchant plug-in to the access control server utilizing said URL address;
d) receiving, by the merchant plug-in, a browser HTML markup from the access control server, the browser HTML markup including authentication criteria for the cardholder and the payment card;
e) extracting, by the merchant plug-in, the authentication criteria from the HTML markup;
f) translating, by the merchant plug-in, the extracted authentication criteria into a protocol compatible with an electronic wallet API associated with an electronic wallet of the cardholder;
g) transmitting, by the merchant plug-in, the translated authentication criteria to the electronic wallet to display an authentication request on the cardholder browser to prompt the cardholder for entry by the cardholder of authentication credentials;
h) receiving, by the merchant plug-in, the authentication credentials from the electronic wallet;
i) translating, by the merchant plug-in, the authentication credentials into a format compatible with the access control server;
j) transmitting, using a HTTP Post command, the translated authentication credentials from the merchant plug-in to the access control server for authentication.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the translating the authentication credentials into a form compatible with the access control server includes translating the authentication credentials into HTML markup format.

### Claim 3 (depends on 1)

The method according to claim 1, further comprising receiving, by the merchant plug-in, an authentication response from said access control server in response to the transmitting the translated authentication credentials from the merchant plug-in to the access control server for authentication.