US 11,909,736 B2 · Systems and methods for authenticating an electronic transaction using hosted authentication service

Abstract

Systems and methods for authenticating an electronic transaction using a hosted authentication service. The systems and methods determine whether an authentication is required based on a first electronic message received from a first data system. Upon determining the authentication is required, the systems and methods transmit a dummy authentication request and a hosted authentication service uniform resource locator to the first data system. The systems and methods further determine or receive an indication whether a user authentication challenge is required based on a transaction risk analysis by a second data system. Upon determining the user authentication challenge is required, the systems and methods provide, at a user interface, an electronic form including a challenge request. The systems and methods transmit, to the first data system, another electronic form including a dummy authentication response generated based on a challenge result.

Claims20

Dependent claims

A method for authenticating an electronic transaction using a hosted authentication service, comprising:

receiving, by a requestor system, an authorization request for the electronic transaction from a POS terminal;
determining, by the requestor system, a requirement of a security assessment for the authorization request based, at least in part, on a security protocol that supports the electronic transaction;
receiving, by the requestor system, a markup language form based on a hosted authentication page of the hosted authentication service, wherein the hosted authentication page is generated by the requestor system, and wherein the markup language form includes a system return web address and a dummy authentication request;
generating, by the requestor system, a second markup language form based upon determining a requirement of an authentication challenge, wherein the second markup language form includes a request for user transaction data;
and
generating, by the requestor system, a dummy authentication response to authorize the electronic transaction, wherein the dummy authentication response includes a result of the authentication challenge.

3 more elements

A system for authenticating an electronic transaction using a hosted authentication service, comprising:

receiving, by a requestor system, an authorization request for the electronic transaction from a POS terminal;
determining, by the requestor system, a requirement of a security assessment for the authorization request based, at least in part, on a security protocol that supports the electronic transaction;
receiving, by the requestor system, a markup language form based on a hosted authentication page of the hosted authentication service, wherein the hosted authentication page is generated by the requestor system, and wherein the markup language form includes a system return web address and a dummy authentication request;
generating, by the requestor system, a second markup language form based upon determining a requirement of an authentication challenge, wherein the second markup language form includes a request for user transaction data;
and
generating, by the requestor system, a dummy authentication response to authorize the electronic transaction, wherein the dummy authentication response includes a result of the authentication challenge.

3 more elements

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a computer system, cause the one or more processors to perform a method for authenticating an electronic transaction using a hosted authentication service, the method comprising:

receiving, by a requestor system, an authorization request for the electronic transaction from a POS terminal;
determining, by the requestor system, a requirement of a security assessment for the authorization request based, at least in part, on a security protocol that supports the electronic transaction;
receiving, by the requestor system, a markup language form based on a hosted authentication page of the hosted authentication service, wherein the hosted authentication page is generated by the requestor system, and wherein the markup language form includes a system return web address and a dummy authentication request;
generating, by the requestor system, a second markup language form based upon determining a requirement of an authentication challenge, wherein the second markup language form includes a request for user transaction data;
and
generating, by the requestor system, a dummy authentication response to authorize the electronic transaction, wherein the dummy authentication response includes a result of the authentication challenge.

3 more elements

Dependencies are inferred from the claim text.

Systems and methods for authenticating an electronic transaction using hosted authentication service

Life of this patent

Systems and methods for authenticating an electronic transaction using hosted authentication service

Life of this patent

Abstract

Claims20