System and Method for Mobile or Web-Based Payment/Credential Process
First Claim
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1. A method comprising:
- receiving credential data at a web server hosting a website, the credential data including a user identifier and a password of a user;
transmitting, from the web server to an authentication server, the credential data, a payment source identifier, a third party identifier of an entity, a web portal identifier associated with the website, and a transaction type identifier corresponding to a requested transaction type;
at the authentication server, authenticating the password and the web portal identifier based on the user identifier and the third party identifier;
transmitting a confirmation request from the authentication server to a device used by the user;
receiving a confirmation message from the user; and
performing a transaction corresponding to the requested transaction type for the user using a payment source corresponding to the payment source identifier.
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Abstract
The present disclosure describes systems and methods directed towards a highly secure and intelligent, end to end provisioning, authentication, and transaction system which creates and/or consolidates user data for a unified profile for the user (e.g., a person, place, organization, object, etc.) to allow for the safe, secure, and verifiable exchange of information.
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Citations
21 Claims
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1. A method comprising:
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receiving credential data at a web server hosting a website, the credential data including a user identifier and a password of a user; transmitting, from the web server to an authentication server, the credential data, a payment source identifier, a third party identifier of an entity, a web portal identifier associated with the website, and a transaction type identifier corresponding to a requested transaction type; at the authentication server, authenticating the password and the web portal identifier based on the user identifier and the third party identifier; transmitting a confirmation request from the authentication server to a device used by the user; receiving a confirmation message from the user; and performing a transaction corresponding to the requested transaction type for the user using a payment source corresponding to the payment source identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
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receiving credential data at an application executing on a mobile device of a user, the credential data including a user identifier and a password of the user; transmitting, from the mobile device to an authentication server, the credential data, a payment source identifier, a third party identifier of an entity, a device identifier associated with the device, and a transaction type identifier corresponding to a requested transaction type; at the authentication server, authenticating the password and the device identifier based on the user identifier and the third party identifier; transmitting a confirmation request from the authentication server to the mobile device; receiving a confirmation from the user; and performing a transaction for the user corresponding to the requested transaction type. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A method comprising:
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receiving, at an authentication server, a user identifier, a password of a user, a payment source identifier, a third party identifier of an entity, a login source identifier, and a transaction type identifier corresponding to a requested transaction type; authenticating the password and the login source identifier based on the user identifier and the third party identifier; transmitting a confirmation request from the authentication server to a device used by the user; receiving from the user a confirmation message including a personal identification code; authenticating the personal identification code at the authentication server; and performing a transaction corresponding to the requested transaction type for the user using a payment source corresponding to the payment source identifier. - View Dependent Claims (20, 21)
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Specification