| CPC G06Q 20/4016 (2013.01) [G06Q 20/36 (2013.01); G06Q 20/363 (2013.01)] | 20 Claims |
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1. A computer implemented method, comprising:
generating, at an account issuer system, a digital wallet corresponding to an account holder, wherein the digital wallet includes attribute information corresponding to a web-client used by the account holder;
receiving, at the account issuer system from a merchant system, a request to authorize an online transaction, wherein the request includes information corresponding to the account holder;
identifying, at the account issuer system, the digital wallet based on the attribute information corresponding to the account holder;
acquiring, by the account issuer system and using an application programming interface (API), a web-client attribute corresponding to a web-client requesting the online transaction, wherein the web-client attribute is a session attribute or a device attribute;
determining, by the account issuer system, that the web-client attribute does not match the attribute information included in the digital wallet;
in response to determining that the web-client attribute does not match the attribute information included in the digital wallet:
transmitting, by the account issuer system, a challenge prompt to the merchant system for display to the account holder on the web-client;
receiving, by the account issuer system and from the merchant system, challenge answer data responsive to the challenge prompt;
verifying, by the account issuer system, that the challenge answer data satisfies the challenge prompt;
in response to the verifying, transmitting, by the account issuer system, a notification from the account issuer system to the merchant system indicating a shift of financial liability for the online transaction from the merchant system to the account issuer system; and
flagging, by the account issuer system, the online transaction as a transaction where the account issuer system has accepted financial liability.
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