PIN-BASED PAYMENT CONFIRMATION

摘要

The present disclosure involves a method of operating a payment platform. The method includes receiving a request to authenticate a first party from a second party. The method includes determining whether the first party has an account with the payment platform and a communications device associated with the account. The method includes generating a secret code in response to the determining. The method includes sending the secret code to the communications device of the first party. The method includes prompting the first party to input the secret code. The method includes authenticating the first party based on the input from the first party.

主权项

1. A method comprising:
receiving a request to authenticate a consumer who initiated a prospective transaction using a first communications device; determining whether the consumer has a second communications device linked to an account of the consumer with a third party payment provider, wherein the second communications device is separate and different from the first communications device; generating, in response to the determining, a random and non-static secret code that changes each time it is generated; sending the secret code to the second communications device; prompting the consumer to input the secret code via a pop-up window that is overlying a checkout webpage that is displayed on the first communications device; detecting an input in the pop-up window from the consumer in response to the prompting; and selectively authenticating the consumer based on the detected input from the consumer; wherein the receiving, the determining, the generating, the sending, the prompting, the detecting, and the selectively authenticating are performed by one or more electronic processors.