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

Claim 14:
15. A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by a merchant authentication computing device having one or more processors in communication with one or more memory devices and a merchant website, the computer-executable instructions cause the merchant authentication computing device to:
receive, 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;
verify 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, authenticate the user computing device for access to the merchant web site;
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, transmit an authentication request message to a cardholder authentication computing device, the authentication request message including the federated identity token and the payment account information;
receive, 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, submit the online payment transaction to an issuing bank of the payment account for authorization.