US 12,141,778 B2
Systems and methods for using an Internet of Things device presence to authenticate a cardholder for a financial transaction
Rahul Arun Deshpande, Chesterfield, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on May 24, 2021, as Appl. No. 17/328,690.
Application 17/328,690 is a continuation of application No. 14/814,348, filed on Jul. 30, 2015, granted, now 11,017,375.
Prior Publication US 2021/0326837 A1, Oct. 21, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/3224 (2013.01) [G06Q 20/409 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device configured to authenticate a cardholder for a financial transaction, the computing device comprising:
at least a memory storing one or more target identifiers and computer-executable instructions; and
at least a processor configured to execute the computer-executable instructions to:
receive an authentication request to authenticate a cardholder for a financial transaction;
receive, from a second computing device, an authorization request to authorize the financial transaction;
based on the authentication request and the authorization request, transmit, to a detection device, a scan request comprising instructions for the detection device to perform a proximity scan, the detection device not being controlled by the cardholder;
receive, from the detection device based on the scan request, data associated with one or more devices recognized as authorized devices, the data comprising a plurality of identifiers associated with a plurality of scanned devices in an area proximate to the second computing device, the plurality of scanned devices having been detected during the proximity scan by the detection device, and wherein the plurality of scanned devices are physical devices that are networked together and are configured to exchange data with the second computing device;
calculate a parameter associated with the received plurality of identifiers, the parameter representing a quantity of the received plurality of identifiers;
compare the calculated parameter with a threshold representing a number of scanned devices required to be present in the area;
upon determining that the calculated parameter satisfies the threshold, compare the plurality of identifiers with one or more target identifiers;
upon determining that at least one identifier of the received plurality of identifiers corresponds with the one or more target identifiers, determine that a quantity of the plurality of scanned devices satisfies the threshold representing the number of scanned devices required to be present; and
upon determining that the quantity of the plurality of scanned devices satisfies the threshold;
authenticate the cardholder for the financial transaction; and
transmit data indicating authorization of the financial transaction to the second computing device.