| CPC H04L 63/08 (2013.01) [G06F 16/90335 (2019.01); G06Q 20/206 (2013.01); H04L 63/20 (2013.01); H04L 2463/082 (2013.01)] | 20 Claims |
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1. A system for multichannel authentication, the system comprises:
a first authentication system serving a plurality of in-store point of sale terminals and implementing a physical channel authentication policy;
a second authentication system serving a plurality of user devices accessing an e-commerce service and implementing an e-commerce channel authentication policy; and
a tokenization system coupled to a retailer backend system, the first authentication system, and the second authentication system, the tokenization system configured to:
receive, from an in-store point of sale terminal of the plurality of in-store point of sale terminals via the first authentication system, a first user credential received at the in-store point of sale terminal;
receive a second user credential from a user device of the plurality of user devices via the second authentication system;
generate a first token in response to receiving the first user credential based on a first tokenization protocol;
generate a second token in response to receiving the second user credential based on the first tokenization protocol;
forward the first token to the in-store point of sale terminal for use by the in-store point of sale terminal in communicating with the retailer backend system;
forward the first token and the second token to the retailer backend system; and
in response to receiving, from a requesting device, a third token based on a second tokenization protocol:
query a membership services database using the third token to determine membership details associated with the third token;
convert the third token to a converted token based on the first tokenization protocol using the membership details; and
forward the converted token to the requesting device for use in communication with the retailer backend system.
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