US 12,206,784 B2
Systems and methods for payment authentication
Clayton Johnson, Edgewood, MD (US); Esther Scott, Arlington, VA (US); and Jeffrey Wieker, Falls Church, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 1, 2024, as Appl. No. 18/429,892.
Application 18/429,892 is a continuation of application No. 18/055,561, filed on Nov. 15, 2022, granted, now 11,930,119.
Application 18/055,561 is a continuation of application No. 16/900,118, filed on Jun. 12, 2020, granted, now 11,601,279, issued on Mar. 7, 2023.
Prior Publication US 2024/0291662 A1, Aug. 29, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/32 (2006.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/08 (2006.01)
CPC H04L 9/3231 (2013.01) [G06Q 20/382 (2013.01); G06Q 20/4014 (2013.01); H04L 9/0866 (2013.01); H04L 9/3213 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for payment authentication performed by a payment authentication system, the method comprising:
receiving, from a first computing device, a token request that includes reference data identifying at least one of the first computing device or a first user associated with the first computing device;
generating a token;
storing the reference data in association with the token;
providing the token to the first computing device;
receiving, from a payment processing system, an authentication request that includes the token and data identifying at least one of a second computing device or a second user associated with the second computing device attempting to use the token as a payment method to complete a transaction;
determining the data included in the authentication request matches the reference data stored in association with the token; and
based on the match, indicating, to the payment processing system, that the transaction is authenticated such that the token is usable as the payment method.