US 12,437,279 B2
Techniques for performing authentication in ecommerce transactions
James Christian Noë, West Wickham (GB); Michael John Cowen, Uffculme (GB); and John Tierney, Wirral (GB)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Jun. 8, 2021, as Appl. No. 17/341,516.
Claims priority of application No. 20183056 (EP), filed on Jun. 30, 2020.
Prior Publication US 2021/0406849 A1, Dec. 30, 2021
Int. Cl. G06Q 20/12 (2012.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01); H04L 9/32 (2006.01)
CPC G06Q 20/12 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/40975 (2013.01); G06Q 40/02 (2013.01); H04L 9/3247 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer-implemented method for authenticating a transaction using a preferred payment card for a consumer which is different to a first card which the consumer has entered details of into an e-commerce platform, comprising:
receiving, by a payment network server from a first access control server, ACS, a first message comprising a request to identify the preferred payment card, the request including details of the first card, wherein the first ACS is associated with an issuer of the first card, the first card is associated with a first payment account, and the preferred payment card is associated with a preferred payment account that is different than the first payment account;
performing a lookup operation, by the payment network server, using the details of the first card;
identifying, by the payment network server from the lookup operation, details of the preferred payment card;
transmitting, by the payment network server to the first ACS, a second message comprising details of the preferred payment card;
transmitting, by the first ACS, the second message directly to a second ACS for processing, wherein the second ACS is associated with an issuer of the preferred payment card;
receiving, by the payment network server from a merchant acquirer server, an authorisation request, wherein the authorisation request includes an authentication response from the second ACS; and
transmitting, by the payment network server to the issuer of the preferred payment card, the authorisation request.