US 12,229,773 B2
Identity authentication systems and methods
Beatriz Montiani Carvalho, San Paulo (BR); Rogerio Cazelato, Miami, FL (US); Juan Amezcua, Bogota (CO); Belkis Barral, Miami, FL (US); and Gabriela Castillo, Polanco (MX)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Jun. 17, 2022, as Appl. No. 17/843,342.
Application 17/843,342 is a continuation of application No. 17/273,241, granted, now 11,392,946, previously published as PCT/US2019/049363, filed on Sep. 3, 2019.
Claims priority of provisional application 62/726,983, filed on Sep. 4, 2018.
Prior Publication US 2022/0318803 A1, Oct. 6, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06F 21/32 (2013.01)
CPC G06Q 20/401 (2013.01) [G06F 21/32 (2013.01); G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, at an authentication server, a transaction request from a merchant;
determining, by the authentication server via one or more processors, that the merchant is an untrustworthy merchant;
transmitting, from the authentication server, an International Organization for Standardization (ISO) message type indicator (MTI) file populated with a code requesting that the untrustworthy merchant re-submit the transaction request based on the determination that the merchant is an untrustworthy merchant;
transmitting, from the authentication server, an authentication request to a computing device associated with the transaction request;
in response to the authentication request, receiving, at the authentication server, an authentication parameter from the computing device, the authentication parameter approving the transaction request from the untrustworthy merchant;
receiving, at the authentication server, a re-submission of the transaction request from the untrustworthy merchant in response to the code requesting that the untrustworthy merchant re-submit the transaction request; and
approving, by the authentication server via the one or more processors, the transaction request based on the authentication parameter approving the transaction request from the untrustworthy merchant.