US 11,741,472 B2
Systems and methods for use in authenticating users to accounts in connection with network transactions
Aaron Kirby, Chesterfield, MO (US); and Brandon Craig Bryson, Wildwood, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Nov. 29, 2021, as Appl. No. 17/537,330.
Application 17/537,330 is a continuation of application No. 15/850,216, filed on Dec. 21, 2017, granted, now 11,188,912.
Prior Publication US 2022/0108317 A1, Apr. 7, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 30/0601 (2023.01); G06Q 20/12 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/12 (2013.01); G06Q 30/0601 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system for use in authenticating a user to an account in connection with a network transaction, the system comprising:
a directory server coupled in communication with a merchant server plug-in (MPI) associated with a merchant and in communication with an issuer of an account associated with the user, the issuer separate from an access control server (ACS) associated with the issuer;
wherein the directory server is configured to:
receive an authentication request, from the MPI, associated with a transaction between the user and the merchant, the authentication request including a payment account credential associated with the account;
transmit an authentication assertion request to the issuer of the account;
in response to an authentication assertion from the issuer, which is responsive to the authentication assertion request, transmit an authentication confirmation to the MPI, thereby omitting the ACS associated with said issuer from participating in the authentication confirmation, the authentication assertion based on, at least in part, an authentication of the user before the authentication assertion request is received; and
in the absence of an authentication request from the issuer, responsive to the authentication assertion request, seek authentication of the user, from the ACS.