Authentication using transaction history

US10796311B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Christopher Bracconeri · Tuckahoe, US
• Qian Wang · San Jose, US
• Shen Xi Meng · Millwood, US
• James An · Sunnyvale, US
• Nigel Noyes · Dobbs Ferry, US
• Arun Acharya · East Amherst, US

Key dates

• Filing date: Mar 31, 2017
• Grant date: Oct 6, 2020
• Expiry date: Nov 17, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method and system include receiving a request to initiate a purchase transaction with a payment card product; generating a message to verify an authenticity of a cardholder of the payment card product, wherein the message includes a request for data about a previous transaction executed with the payment card product; receiving, in response to the generated message, input from the cardholder; comparing the input from the cardholder to stored data associated with the previous transaction; and one of confirming the cardholder as a true owner of the payment card product or denying the cardholder as the true owner of the payment card product based on the comparison. Numerous other aspects are provided.