Multi-computer system for user authentication based on client-side one-time passcode
US12309292B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 23, 2022 |
| Grant date | May 20, 2025 |
| Priority date | — |
| Expiry date | Apr 22, 2043 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L9/50
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Arrangements for generating and using client-side generated one-time passcodes (OTP) for transaction processing are provided. A request to register a user and/or user computing device for client-side OTP processing may be received. A request to register a merchant for client-side OTP processing may also be received and, in respond, a unique access key unique to the merchant may be generated and transmitted to one or more devices. A request to process a transaction may be received and may include the unique access key, transaction details, and user device data. The request may be analyzed to determine whether one or more criteria are met. If so, client-side OTP functions may be enabled. If not, client-side OTP functions might not be enabled and, instead, a request for additional authentication data may be generated and transmitted to the user computing device for display.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.