Systems and methods for enhancing online user authentication using a personal cloud platform

US11348116B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventor

• Brian Piel · Ballwin, US

Key dates

• Filing date: Nov 7, 2017
• Grant date: May 31, 2022
• Expiry date: Mar 1, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40145
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A personal cloud authentication (PCA) system for authenticating an online user using device data stored on a personal cloud platform of the user is provided. The PCA system configured to build an authentication table using a user profile that includes at least user account information. The PCA system is also configured to receive transaction data associated with the user account information and store the transaction data within a database, wherein the transaction data includes at least an authentication request, a second primary user computing device identifier and a second secondary user computing device identifier. The PCA system is further configured to parse the transaction data, match the first primary user computing device identifier to the second primary user computing device identifier and the first secondary user computing device identifier to the second secondary user computing device identifier, generate an authentication response based on the match, and transmit the authentication response.