| CPC G06Q 20/40145 (2013.01) [G06F 21/32 (2013.01)] | 20 Claims |
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1. A method performed by an electronic device having a processor and a memory coupled to the processor, the method comprising:
receiving, by the electronic device, a device user authentication based on a first user input received through an input device of the electronic device, the first user input including user authentication data;
generating, by the electronic device, a payment authorization key based on a validity of the device user authentication, the payment authorization key configured to be received by a payment application as an authentication result that allows a payment transaction to be processed, the validity of the device user authentication obtained from a device authenticator of the electronic device;
storing the payment authorization key in a key storage, the key storage storing one or more payment conditions corresponding to the payment authorization key;
receiving, by the electronic device, a payment request to initiate the payment transaction via a communication from an external device or a second user input;
after receiving the payment request, determining whether the received device user authentication satisfies the one or more payment conditions corresponding to the payment authorization key by reading, within the key storage, the one or more payment conditions corresponding to the payment authorization key, including any payment condition stored in association with the stored payment authorization key for use with the payment application,
wherein the one or more payment conditions represent one or more conditions under which the key storage permits the payment authorization key to be provided to the payment application as the authentication result based on the device user authentication, and wherein the one or more payment conditions are specified by at least one of a user, a financial service provider, or the payment application; and
in response to determining that the device user authentication satisfies the one or more payment conditions, authorizing, by the electronic device, the payment application to process the payment request by providing the payment authorization key from the key storage to the payment application.
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