Secure authentication and payment system

  • US 10,127,550 B2
  • Filed: 08/22/2017
  • Issued: 11/13/2018
  • Est. Priority Date: 07/06/2001
  • Status: Expired due to Term
First Claim
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1. A server comprising:

  • a processor, the processor including one or more program modules configured to;

    send a message to a client device, wherein the message provides instructions for a target to access the server to receive payment;

    receive one or more messages from the client device, the one or more messages including an alias stored on the server to the target, a transaction identifier assigned by the server identifying a transaction, and a target financial account information;

    authenticate the one or more messages from the client device by searching for a stored alias and a stored transaction identifier associated with the alias in a database that matches the alias and transaction identifier in the one or more messages; and

    in response to authentication of the one or more messages from the client device, provide instructions to transfer a payment amount from an originator financial account to a target financial account associated with the target financial account information included in the one or more messages.

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