US 11,863,564 B1
Systems and methods for multi-factor authentication by a commerce platform using a cloud services provider
Yoav Podemsky, San Francisco, CA (US)
Assigned to STRIPE, INC., San Francisco, CA (US)
Filed by Stripe, Inc., San Francisco, CA (US)
Filed on Jan. 16, 2020, as Appl. No. 16/745,002.
Int. Cl. H04L 9/40 (2022.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC H04L 63/105 (2013.01) [G06Q 20/3823 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/401 (2013.01); H04L 63/06 (2013.01); G06Q 2220/00 (2013.01); H04L 2463/082 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for performing multi-factor authentication of a merchant system by a commerce platform, the method comprising:
authenticating the commerce platform to a cloud services provider, the cloud services provider providing a private communications network for use by the commerce platform and the merchant system;
receiving, by the commerce platform, an authentication request from the merchant system, wherein the authentication request received from the merchant system originates from the private communications network provided by the cloud services provider, and wherein the authentication request uses an encryption key, wherein the encryption key is an application programming interface (API) key generated by the commerce platform;
determining, by the commerce platform, validity of the encryption key used in the authentication request for the merchant system;
performing a multi-factor authentication of the merchant system based on: (1) a first determination that the authentication request occurs from within the private communications network and originated from a device having a device address of the private communications network, and (2) a second determination of the validity of the encryption key; and
in response to performing the multi-factor authentication of the merchant system and verifying an identity of the merchant system, authenticating the merchant system as an authorized system for performing an operation requested by the authentication request using the commerce platform.