Patent ID: 11972426
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: Telecommunications (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 12:
13. A non-transitory computer readable storage medium comprising computer executable instructions, which when executed by a computer, cause the computer to:
receive an authorization request for a transaction from a server, wherein the authorization request includes account identification information corresponding to an account, wherein a plurality of authentication questions each having a corresponding correct answer are associated with the account, and wherein each of the plurality of authentication questions is of Boolean type;
upon receipt of the authorization request, determine a visual impairment status of the user based on the account identification information included in the authorization request;
determine, based on the determined visual impairment status, whether to perform a first authentication method for a visually impaired user or a second authentication method for a visually abled user;
perform the first authentication method when visual impairment has been determined, the first authentication method causing the computer to:
generate a first set of authentication questions by randomly selecting a subset of questions from the plurality of authentication questions;
transmit the first set of authentication questions of the plurality of authentication questions to a communication device by way of an interactive voice response (IVR) call;
receive a first set of user-generated answers corresponding to the first set of authentication questions from the communication device;
compare the first set of user-generated answers to their corresponding correct answers;
determine whether the user is an account holder of the account based on the comparison of the first set of user-generated answers to their corresponding correct answers; and

process the transaction based on the determination that the user is the account holder of the account, thereby authenticating the user, wherein the first authentication method is an only method of authenticating the visually impaired user, utilized upon receiving the authorization request until the processing of the transaction.