US 12,469,028 B2
Method, system, and computer program product for enhanced one-time password-based transaction authorization
Ayushi Rastogi, Punggol (SG)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Oct. 5, 2023, as Appl. No. 18/481,283.
Prior Publication US 2025/0117788 A1, Apr. 10, 2025
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/385 (2013.01) 17 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, with at least one processor, a transaction request initiated by a user in communication with at least one merchant system;
generating, with at least one processor, a one-time password (OTP);
transmitting, with at least one processor, the OTP to a user communication device of the user;
receiving, with at least one processor, a response code from the user communication device of the user, the response code comprising a first portion and a second portion;
determining, with at least one processor, a position preference associated with a user profile of the user, the position preference comprising an indication that a user code should be appended in a leading position in response codes or the user code should be appended in a trailing position in the response codes; and
determining, with at least one processor, the first portion as being a first subsequence of the response code based on the position preference;
determining the second portion as being a second subsequence of the response code based on the position preference;
verifying, with at least one processor, that the first portion of the response code matches the OTP;
identifying, with at least one processor, the user code stored in association with the user profile, the user code stored in at least one data storage device prior to receiving the transaction request;
verifying, with at least one processor, that the second portion of the response code matches the user code; and
in response to verifying that the first portion of the response code matches the OTP and that the second portion of the response code matches the user code, automatically authorizing, with at least one processor, the transaction request to be processed in an electronic payment processing network.