| CPC G06Q 20/4012 (2013.01) [G06N 20/00 (2019.01); G06Q 20/202 (2013.01); G06Q 20/206 (2013.01); G06Q 20/401 (2013.01); H04L 63/0428 (2013.01); G06F 18/22 (2023.01); G06Q 2220/00 (2013.01)] | 13 Claims |
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1. A method for authenticating and executing a cardless transaction between a first entity and a second entity, the method comprising:
receiving authentication data at a point-of-sale device, the authentication data not including presence of a card and not including card account data, the authentication data comprising a sequence of keypresses;
tagging each keypress in the sequence with a timestamp;
encrypting the authentication data;
transmitting the authentication data, using a secure communication channel, from the POS device to a secure payment network;
decrypting, by the secure payment network, the authentication data;
determining, by the secure payment network, from the authentication data, a pattern of the sequence of keypresses, the pattern comprising:
a number of keypresses;
a frequency of each keypress, the frequency comprising a number of keypresses per unit of time; and
a time-delay between each keypress, the time-delay calculated based off of the timestamp tagged to each keypress;
verifying, by the secure payment network, that the pattern of the sequence of keypresses maps to a stored pattern of a sequence of keypresses stored within a personal profile account associated with the first entity, wherein the verifying further comprises confirming that:
the number of keypresses is equal to a stored number of keypresses;
the frequency of the keypresses is within a pre-determined range of a stored frequency of keypresses; and
the time-delay between each keypress is within a pre-determined range of a stored number of time for each time-delay; and
in response to the verification, authenticating the transaction at the POS device between the first and second entity.
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