US 12,585,742 B1Granted

Securing interactions using user interface windows

AssigneeCitibank, N.A.

InventorsNeeraj Kumar, Katte Ramakantha Acharya, Bendagiri Matam Shiva Kumar, Sidda Reddy Narala, Sia Jennifer Ng, Jenny Zhu Hipolito, Hyejin Cho

Life of this patent

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Abstract

An authorization flow management system provides multiple authorization options to a user when conducting an authorization event. The system provides options to a user during an authorization event to select a preferred interaction path without integrating the process into a merchant system. The system receives a request from a merchant computing device to authorize an interaction with a user and provides instructions to a user computing device to open a window on a user interface to receive a security code and to display options to select from one of at least two interaction paths, such as paying with rewards points or with an equal payment plan. When the user communicates a response to the opened window that selects one of the interaction paths and the communicated code, the system conducts the interaction utilizing the selected interaction path and communicates an authorization for the interaction to the merchant computing device.

Claims20

Dependent claims

A system for securing interactions using user interface windows generated based on selected interaction paths, comprising:

a storage device;
and
one or more processors, wherein the one or more processors execute instructions that are stored in the storage device to cause the system to:
receive, from a first computing device at a second computing device over a first communication channel, a request to secure an interaction with a user;
determine, during a time period of the interaction, a plurality of interaction paths available for the user;
generate one or more instructions to display a user interface on a user computing device to receive a security code and the plurality of interaction paths for the user;
transmit, to a plug-in installed on the first computing device during the time period of the interaction and in a second communication channel that is separate from the first communication channel, the one or more instructions for the plug-in to open a pop-up window on the user computing device to receive the security code, wherein the pop-up window overlays a user interface window utilized to conduct the interaction, wherein the pop-up window displays the plurality of interaction paths, and wherein the pop-up window on the user computing device communicates directly with the second computing device, bypassing the first computing device;
communicate the security code to the user computing device in a third communication channel separate from the first communication channel and the second communication channel;
receive a communication from the user computing device in response to opening the pop-up window, wherein the communication comprises a selection of an interaction path and the security code;
and
cause the interaction to be conducted using a selected interaction path.

8 more elements

A method for securing interactions using user interface windows generated based on selected interaction paths, comprising:

receiving, from a first computing device at a second computing device over a first communication channel, a request to secure an interaction with a user;
determining a plurality of interaction paths available for the user;
generating one or more instructions to display (1) a user interface on a user computing device to receive a security code and (2) the plurality of interaction paths for the user;
transmitting, to a plug-in installed on the first computing device in a second communication channel that is separate from the first communication channel, the one or more instructions for the plug-in to open a pop-up window on the user computing device to receive the security code, wherein the pop-up window displays the plurality of interaction paths, and wherein the pop-up window on the user computing device communicates directly with the second computing device, bypassing the first computing device;
communicating the security code to the user computing device in a third communication channel separate from the first communication channel and the second communication channel;
receiving a communication from the user computing device in response to opening the pop-up window, wherein the communication comprises a selection of an interaction path and the security code;
and
causing the interaction to be conducted using a selected interaction path.

5 more elements

One or more non-transitory, computer-readable media storing instructions thereon, wherein the instructions cause one or more processors to perform operations comprising:

receiving, from a first computing device at a second computing device over a first communication channel, a request to secure an interaction with a user;
determining a plurality of interaction paths available for the user;
generating one or more instructions to display (1) a user interface on a user computing device to receive a security code and (2) the plurality of interaction paths for the user;
transmitting, to a plug-in installed on the first computing device in a second communication channel that is separate from the first communication channel, the one or more instructions for the plug-in to open a pop-up window on the user computing device to receive the security code, wherein the pop-up window displays the plurality of interaction paths, and wherein the pop-up window on the user computing device communicates directly with the second computing device, bypassing the first computing device;
communicating the security code to the user computing device in a third communication channel separate from the first communication channel and the second communication channel;
receiving a communication from the user computing device in response to opening the pop-up window, wherein the communication comprises a selection of an interaction path and the security code;
and
causing the interaction to be conducted using a selected interaction path.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/209,773Filed 15 May 2025 · continuation in part
Priority: 10 Jan 2022
Granted: 24 Mar 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification20 codes

G06F 21/31
Authentication, i.e. establishing the identity or authorisation of security principals: user authentication
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06F 9/44526
Dynamic linking or loading; Link editing at or after load time, e.g. Java class loading: plug-ins; Add-ons
G06F 9/452
Execution arrangements for user interfaces: remote windowing, e.g. X-Window System, desktop virtualisation