US 11,715,105 B2
Payment authentication using OS-based and issuer-based authenticator applications
Keyur Patel, Jersey City, NJ (US); Hemant Bhanushali, Brooklyn, NY (US); and Sachin Ahuja, Millstone, NJ (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Aug. 25, 2020, as Appl. No. 17/1,989.
Prior Publication US 2022/0067740 A1, Mar. 3, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 30/018 (2023.01); G06Q 20/38 (2012.01); G06K 7/14 (2006.01); G06F 21/44 (2013.01); G06Q 20/32 (2012.01)
CPC G06Q 20/40145 (2013.01) [G06F 21/44 (2013.01); G06K 7/1417 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/3829 (2013.01); G06Q 30/0185 (2013.01); G06Q 2220/00 (2013.01)] 13 Claims
OG exemplary drawing
 
1. A method of payment-supporting authentication, comprising:
managing, via an authenticator application, a resource with information about registered users;
receiving, via the authenticator application accessing a camera and capturing a photograph or accessing stored photographs on a user device, a captured QR code comprising user identifiable information and information of a potential transaction;
decoding, via the authenticator application, the captured QR code to obtain the user identifiable information and the information of the potential transaction;
upon decoding the captured QR code, receiving, via a graphical user interface of the authenticator application, an indication to authenticate a user from input of the user;
authenticating, via the authenticator application, the user using the user identifiable information and the information stored in the resource;
upon authenticating the user using the user identifiable information and the information stored in the resource, generating, via the authenticator application, a key tied to existing biometric authentication of the user and mapped to the user identifiable information;
communicating, via the authenticator application, with a support server to provide the key and a notification of the potential transaction;
prompting, via the graphical user interface of the authenticator application, the user to provide a biometric marker via the user device;
receiving, via the authenticator application accessing a biometric scanner or microphone of the user device, the biometric marker from the user after authenticating the user using the user identifiable information and the information stored in the resource;
determining, via the authenticator application, whether the biometric marker received from the user satisfies a biometric criterion based on the existing biometric authentication of the user; and
upon the determination that the biometric criterion is satisfied, communicating, via the authenticator application, with the support server to enable the potential transaction to be performed.