PIN-BASED PAYMENT CONFIRMATION
First Claim
Patent Images
1. A method of operating a payment platform, comprising:
- receiving a request to authenticate a first party from a second party;
determining whether the first party has an account with the payment platform and a communications device associated with the account;
generating a secret code in response to the determining;
sending the secret code to the communications device of the first party;
prompting the first party to input the secret code; and
thereafter authenticating the first party based on the input from the first party.
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Accused Products
Abstract
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.
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Citations
20 Claims
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1. A method of operating a payment platform, comprising:
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receiving a request to authenticate a first party from a second party; determining whether the first party has an account with the payment platform and a communications device associated with the account; generating a secret code in response to the determining; sending the secret code to the communications device of the first party; prompting the first party to input the secret code; and thereafter authenticating the first party based on the input from the first party. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An apparatus comprising a non-transitory, tangible computer readable storage medium storing a computer program, wherein the computer program has instructions that when executed, carry out:
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receiving a request to authenticate a first party from a second party; determining whether the first party has an account with a payment platform and a communications device associated with the account; generating a secret code in response to the determining; sending the secret code to the communications device of the first party; prompting the first party to input the secret code; and thereafter authenticating the first party based on the input from the first party. - View Dependent Claims (12, 13, 14, 15, 16)
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17. An electronic payment processing system, comprising:
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means for receiving an authentication request sent by a seller that is engaged in a prospective purchasing transaction with a buyer; means for verifying whether the buyer has an account associated with the electronic payment processing system and a communications device linked to the account; means for dynamically and randomly generating a secret code based on results of the verifying; means for delivering the secret code to the communications device of the buyer; means for prompting the buyer to enter the secret code; and means for authenticating the buyer based on whether the buyer has correctly entered the secret code within a predetermined number of attempts. - View Dependent Claims (18, 19, 20)
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Specification