System, methods and computer program products for identity authentication for electronic payment transactions
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United States of America Patent
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Nov 8, 2022
Grant Date -
Jul 16, 2020
app pub date -
Jan 2, 2020
filing date -
Jan 10, 2019
priority date (Note) -
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status (Latency Note)
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Abstract
The disclosure relates to identity authentication in electronic payment transactions. The disclosure comprises (i) receiving an identity authentication request responsive to a request for electronic payment initiated in a network session between a client terminal and a merchant server, (ii) receiving the payor account, the payee account and a payment amount, (iii) receiving session data parameters corresponding to a network communication session, (iv) generating an authentication data record based on the session data parameters, (v) transmitting the generated authentication data record to a terminal device associated with the identified payor account, (vi) retrieving from the client terminal, data record(s) associated with electronic payment transactions involving the client terminal, (vii) comparing the data records retrieved from the client terminal against the generated authentication data record, and (viii) responsive to a match between a data record retrieved from the client terminal against the generated authentication data record, generating an identity confirmation decision.
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