Patent ID: 11948141
Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method for securely initiating a checkout for a payment transaction comprising:
receiving, by an initiator system from an untrusted device operated by a user, a checkout request including a user identifier;
determining, by the initiator system via a device selection module, that the user identifier is associated with a rich communication service (RCS)-enabled mobile device in an enrolled device database, wherein the RCS-enabled mobile device is separate from the untrusted device, and wherein the RCS-enabled mobile device is enrolled with the initiator system and with a communication system;
responsive to the determination, retrieving, by the initiator system from the enrolled device database, user data associated with the user identifier, wherein the user data comprises data required to communicate with the RCS-enabled mobile device;
sending, by the initiator system to the untrusted device, a request for user instructions to perform a secure checkout with the RCS-enabled mobile device;
receiving, by the initiator system from the untrusted device, the user instructions to perform the secure checkout with the RCS-enabled mobile device;
generating, by the initiator system, an enrolled device checkout request to perform the checkout with the RCS-enabled mobile device, wherein the enrolled device checkout request comprises a flag indicating that the checkout is to be performed by a Secure Remote Commerce (SRC) system;
sending, by the initiator system the enrolled device checkout request comprising the flag to the communication system, the enrolled device checkout request triggering the communication system to initiate the secure checkout by generating and transmitting a user verification request to the RCS-enabled mobile device over a secure communications channel maintained via an RCS chatbot;
receiving, by the initiator system from a transaction system, a message that the transaction is complete; and
transmitting, by initiator system to the untrusted device, the message for display to the user.