SINGLE SIGN-ON USING A SECURE AUTHENTICATION SYSTEM

摘要

One embodiment of the invention is directed to a method comprising, establishing, by a wallet server computer, a single sign-on link between a user bank account and a wallet application. The method further comprises receiving a transaction request message from a user, wherein the transaction request is for a transaction between the user and a merchant associated with the wallet application. The method further comprises sending sign-on data to an issuer computer using a secure authentication protocol and receiving a confirmation message from the issuer computer confirms initiation through the issuer application. The transaction is processed by the wallet server computer based on the confirmation message.

主权项

1. A method, comprising:
receiving, by a wallet server computer through an issuer application, a transaction request from a user, wherein the transaction request is for transacting with a merchant associated with the wallet server computer; sending, by the wallet server computer, sign-on data to an issuer computer associated with the issuer application using a transaction authentication protocol; receiving, by the wallet server computer, a confirmation message from the issuer computer, wherein the confirmation message confirms initiation through the issuer application; and processing, by the wallet server computer, the transaction request based on the confirmation message, without challenging the user using the transaction authentication protocol.