Patent ID: 11935058
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A computer-implemented method for authenticating user computing devices during online payment transactions, said method implemented using a merchant authentication computing device in communication with a merchant website, said method comprising steps performed by the merchant authentication computing device of:
receiving, from a private network authentication server of a private network in response to a user computing device accessing the merchant website via the private network, pre-authentication data including a federated identity token, the federated identity token including a user identifier and indicating that the private network has authenticated the user computing device using credentials received from the user computing device to access the private network;
verifying that a user of the user computing device is registered with the merchant website, including performing a lookup of the user identifier in stored user profile data for the merchant web site;
based on the verification, authenticating the user computing device for access to the merchant website;
in response to authenticating the user computing device and the user computing device initiating an online payment transaction on the merchant website using payment account information corresponding to a payment account of a cardholder, transmitting an authentication request message to a cardholder authentication computing device, the authentication request message including the federated identity token and the payment account information;
receiving, from the cardholder authentication computing device, an authentication response message indicating that the user of the user computing device is authenticated as the cardholder corresponding to the payment account information; and
in response to the indication that the cardholder is authenticated, submitting the online payment transaction to an issuing bank of the payment account for authorization.