US 11,657,398 B2
Methods and systems for pattern-based authentication for payment transactions
Rahul Agrawal, Maharashtra (IN); Sudhir Gupta, Maharashtra (IN); and Harsh Piparsaniya, Maharashtra (IN)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed on Aug. 24, 2020, as Appl. No. 17/573.
Claims priority of application No. 10201908143R (SG), filed on Sep. 4, 2019.
Prior Publication US 2021/0065184 A1, Mar. 4, 2021
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/4012 (2013.01) [G06Q 20/382 (2013.01); G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
1. A method for secure payment transactions using pattern-based authentication, the method comprising:
receiving, by a server system, a payment transaction request from a merchant terminal, the payment transaction request associated with an item purchased by a user at the merchant terminal;
receiving, by the server system, a graphically-drawn, timing-specific, and sequence-specific password entered from the user via a user interface associated with the merchant terminal while a time taken to enter the password is displayed on the user interface, wherein the password being drawn in the user interface is not visible on a display screen;
performing, by the server system, matching of the received password and the time taken to enter the password respectively with a pre-registered password of a plurality of pre-registered passwords and a pre-defined time period, the pre-registered password being registered by the user for authentication of payment transactions performed by the user, and the pre-registered password comprising a sequence of a pre-defined graphical pattern provided in the pre-defined time period; and
authenticating, by the server system, the payment transaction based on successful matching of the received password from the user with the pre-registered password and successful matching of the time taken to enter the password by the user with the pre-defined time period.