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

Claim 7:
8. A system comprising:
a user device associated with a user;
an access control server (ACS);
a payment server; and
a directory server;
said directory server comprising at least one directory server processor and at least one directory server non-transitory computer-readable memory storing computer executable instructions that, when executed by the at least one directory server processor, cause the at least one directory server processor to perform the operations of:
receiving, in advance of a future transaction associated with a payment card of the 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 a bank identifier number (BIN) from the payment card data,
based on the extracted BIN, identifying the 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 the pre-authentication request signal to the issuer server,
retrieving a corresponding universal resource locator (URL) of the ACS from a database, and
transmitting the URL to a user device associated with the user,

said ACS comprising at least one ACS processor and at least one ACS non-transitory computer-readable memory storing computer executable instructions that, when executed by the at least one ACS processor, cause the at least one ACS processor to perform the operations of:
receiving a request to load corresponding user interfaces (UIs) from the user device,
retrieving contact information associated with the user,
transmitting a one-time password (OTP) to the user based on the contact information,
receiving a second OTP via input of the second OTP by the user into one of the corresponding UIs,
pre-authenticating the prospective e-commerce transaction by validating that the received second OTP matches the OTP transmitted to the user based on the contact information, and
transmitting 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,

said payment server comprising at least one payment server processor and at least one payment server non-transitory computer-readable memory storing computer executable instructions that, when executed by the at least one payment server processor, cause the at least one payment server processor to perform the operations of:
upon successful pre-authentication of the prospective e-commerce transaction by the ACS, receiving, 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 a transaction amount from the issuer server, the transaction amount corresponding to the transaction amount data,
storing the pre-authenticated transaction data in the database and the transaction amount in an electronic wallet, and
transmitting a notification signal of successful pre-authentication of the future transaction to the user device,

said user device comprising at least one user device processor and at least one user device non-transitory computer-readable memory storing computer executable instructions that, when executed by the at least one user device processor, cause the at least one user device processor to perform the operations of:
receiving a selection of a pre-authenticated transaction payment method, and
in response, generating an e-commerce transaction request signal by the user device,

said at least one payment server non-transitory computer-readable memory storing further computer executable instructions that, when executed by the at least one payment server processor, cause the at least one payment server processor to perform the operations of:
receiving 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 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 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 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.