Patent ID: 11930119
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 8:
9. A method for payment authentication implemented by a user device, the method comprising:
generating a first device fingerprint;
generating a request for a token to represent an account number of a user associated with the user device, wherein the request includes the first device fingerprint;
transmitting the request to a payment authentication system, wherein the payment authentication system generates the token responsive to the request and stores the first device fingerprint in association with the token;
receiving the token from the payment authentication system; and
in response to detecting an input to make a payment to a merchant using the token:
generating a second device fingerprint that is the same as the first device fingerprint; and
providing the token with the second device fingerprint to the payment authentication system, wherein the payment authentication system authenticates the use of the token for the payment based on the second device fingerprint matching the first device fingerprint stored in association with the token, and wherein the token is used to make the payment to the merchant based on the authentication.