Multi-point authentication for payment transactions

US11017371B2 · kind B2 · utility

Assignee

• Airbnb, Inc. · US

Inventors

• Timothy C. Buchholtz · Rochester, US
• Morgan D. Davis · Rochester, US
• Daniel Ramirez · Rochester, US
• Michael J. Rohn · Rochester, US

Key dates

• Filing date: Feb 28, 2019
• Grant date: May 25, 2021
• Expiry date: Feb 28, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/425
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Authentication for payment transaction includes receiving, by a point-of-sale (POS) terminal, an indication that a payment account of a cardholder is associated with a mobile device and receiving a second indication of physical possession of a payment card by a merchant. The authentication includes receiving a purchase request for an authorization of exchange from the payment account of the cardholder to the merchant and assigning a transaction identifier to the request for the authorization of the exchange. The authentication includes transmitting the request for authorization of the exchange from the cardholder payment account to the merchant and the transaction identifier. The authentication includes receiving an indication that an authentication identifier is associated with the transaction identifier. The authentication includes receiving a copy of the authentication identifier, facilitated by the cardholder. The authentication includes receiving validation that the copy of the authentication identifier matches the authentication identifier.