US 12,314,949 B2
Method and system for multi-modal transaction authentication
Steven V. Bacastow, Cumming, GA (US)
Assigned to STRIPE, INC., South San Francisco, CA (US)
Filed by STRIPE, INC., San Francisco, CA (US)
Filed on Sep. 19, 2023, as Appl. No. 18/370,358.
Application 18/370,358 is a continuation of application No. 17/483,998, filed on Sep. 24, 2021, granted, now 11,816,665.
Application 17/483,998 is a continuation of application No. 16/718,861, filed on Dec. 18, 2019, granted, now 11,501,298, issued on Nov. 15, 2022.
Application 16/718,861 is a continuation of application No. 15/827,606, filed on Nov. 30, 2017, granted, now 11,068,890, issued on Jul. 20, 2021.
Application 15/827,606 is a continuation of application No. 14/581,471, filed on Dec. 23, 2014, granted, now 9,852,426, issued on Dec. 26, 2017.
Application 14/581,471 is a continuation in part of application No. 14/035,160, filed on Sep. 24, 2013, granted, now 9,159,061, issued on Oct. 13, 2015.
Application 14/035,160 is a continuation of application No. 12/390,003, filed on Feb. 20, 2009, granted, now 8,577,804, issued on Nov. 5, 2013.
Claims priority of provisional application 61/190,743, filed on Sep. 2, 2008.
Claims priority of provisional application 61/130,306, filed on May 29, 2008.
Claims priority of provisional application 61/050,724, filed on May 6, 2008.
Claims priority of provisional application 61/066,416, filed on Feb. 20, 2008.
Prior Publication US 2024/0054492 A1, Feb. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/02 (2012.01); G06Q 20/26 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/4012 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/26 (2013.01); G06Q 20/322 (2013.01); G06Q 20/356 (2013.01); G06Q 20/40 (2013.01); G06Q 20/405 (2013.01); G06Q 20/425 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for processing a secure mobile payment transaction conducted at a location of a merchant comprising:
receiving, from a point-of-sale device at the location of a merchant, a set of data transmitted from a mobile device of a consumer, the set of data including mobile payment data that is associated with the secure mobile payment transaction and additional data of the consumer;
analyzing the set of data received from the point-of-sale device to determine if additional authentication is required to complete the secure mobile payment transaction;
sending, by a secure payment computing device, an authentication request from the secure payment computing device to the mobile device upon determining that the additional authentication is required to complete the secure mobile payment transaction;
receiving, at the secure payment computing device from the mobile device, an authentication response, the authentication response comprising biometric-related information obtained via capture by the mobile device;
completing the additional authentication based on the biometric-related information captured by the mobile device matching previously stored information;
in response to completing the additional authentication, transmitting at least a portion of the mobile payment data to a secure payment network for processing; and
after transmitting the mobile payment data to the secure payment network for processing, transmitting a payment confirmation to the point-of-sale device at the location of the merchant.