Systems and methods for processing metadata statements in payment flows

US10332115B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Michael D. Donovan · Phoenix, US
• Jonathan Lupton · Littlehampton, GB
• Upendra Mardikar · San Jose, US

Key dates

• Filing date: Mar 10, 2016
• Grant date: Jun 25, 2019
• Expiry date: Feb 28, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/409
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. The system may transmit a request to authenticate a user associated with the transaction account. The request to authenticate uses the transaction authorization protocol. The system may also receive an authentication message using the transaction authorization protocol. The authentication message may comprise authentication metadata that indicates an authentication type and/or an authentication outcome. The authentication type may include biometric authentication techniques.