Patent ID: 11880783
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer implemented method comprising the operations of:
receiving, by a directory server and in advance of a future transaction associated with a payment card of a user, a pre-authentication request signal from a merchant server, the pre-authentication request signal comprising a time data for an expected transaction time, a transaction amount data, a payment card data of the payment card, and at least one transaction identifier data, wherein the time data, the transaction amount data, the payment card data, and the at least one transaction identifier data are associated with the future transaction;
extracting, by the directory server, a bank identifier number (BIN) from the payment card data;
based on the extracted BIN, identifying, by the directory server, an access control server (ACS) participating in pre-authentication of the future transaction, the ACS associated with an issuer of the payment card of the user, the issuer associated with an issuer server;
transmitting, by the directory server, the pre-authentication request signal to the issuer server;
retrieving, by the directory server, a corresponding universal resource locator (URL) of the ACS from a database;
transmitting, by the directory server, the URL to a user device associated with the user;
receiving, by the ACS, a request to load corresponding user interfaces (UIs) from the user device;
retrieving, by the ACS, contact information associated with the user;
transmitting, by the ACS, a one-time password (OTP) to the user based on the contact information;
receiving, by the ACS, a second OTP via input of the second OTP by the user into one of the corresponding UIs;
pre-authenticating, by the ACS, the prospective e-commerce transaction by validating that the received second OTP matches the OTP transmitted to the user based on the contact information;
transmitting, by the ACS, a digitally signed authentication response and pre-authenticated transaction data associated with the future transaction to a payment server, the digitally signed authentication response indicative of successfully pre-authenticating the prospective e-commerce transaction;
upon successful pre-authentication of the prospective e-commerce transaction by the ACS, receiving, by the payment server from the ACS, the pre-authenticated transaction data associated with the future transaction, the pre-authenticated transaction data including the time data, the transaction amount data, the payment card data, and the at least one transaction identifier data associated with the future transaction;
receiving, by the payment server, a transaction amount from the issuer server, the transaction amount corresponding to the transaction amount data;
storing, by the payment server, the pre-authenticated transaction data in the database and the transaction amount in an electronic wallet;
transmitting, by the payment server, a notification signal of successful pre-authentication of the future transaction to the user device;
on the user device, receiving a selection of a pre-authenticated transaction payment method and, in response, generating an e-commerce transaction request signal by the user device;
receiving, by the payment server, the e-commerce transaction request signal, the e-commerce transaction request signal including, based on the selection of the pre-authenticated transaction payment method, a purchase data amount, the at least one transaction identifier data, and a request generation time;
matching, by the payment server, the at least one transaction identifier data received in the e-commerce transaction request signal to the at least one transaction identifier data stored with the pre-authenticated transaction data in the database;
based on the matching, verifying, by the payment server, that the purchase data amount is less than or equal to the transaction amount data and that the request generation time is at the expected transaction time stored with the pre-authenticated transaction data in the database; and
based on the verifying, processing, by the payment server, the future transaction at the expected transaction time without transmitting the e-commerce transaction request signal to the issuer server for authorization and authentication approval, including debiting the purchase data amount from the transaction amount stored in the electronic wallet.