Methods and systems for authenticating users for authorization rule relaxation

US12062046B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Gina O'Donnell · Holden, US
• Adam Kelly · Georgetown, US
• Sean Patrick Dailey · O'Fallon, US
• Jared Ryan Boucher · Troy, US
• Julian Davis · Cheltenham, GB
• Rui Li · Nanhu, CN

Key dates

• Filing date: Nov 8, 2016
• Grant date: Aug 13, 2024
• Expiry date: Apr 17, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/407
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of authenticating an accountholder for relaxing payment transaction authorization rules is provided. The method is implemented using an authentication computing device in communication with a memory device. The method includes receiving a transaction decline message from an issuer via a transaction message channel, transmitting an authorization rules relaxation message to an accountholder computing device via an authentication message channel separate from the transaction message channel, receiving an authorization rules relaxation response message via the authentication message channel, authenticating the authorization rules relaxation response message as originating from the accountholder, receiving an authorization request message associated with a reattempted payment transaction, inserting a rules relaxation identifier into the authorization request message, providing the authorization request message to the issuer computing device, causing modification of transaction decline systems, and receiving an approval message denoting authorization rules relaxation and acceptance of the second payment transaction by the issuer.