Patent ID: 11930119
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 17:
18. A method for payment authentication implemented by a payment processing system, the method comprising:
receiving, from a merchant system associated with a merchant, a token provided to the merchant system for use as payment to complete a transaction between the merchant and a user, and a device fingerprint of a user device utilized by the user to perform the transaction, the token generated by a payment authentication system and representing an account number of the user;
generating an authentication request including at least the token and the device fingerprint;
transmitting the authentication request to the payment authentication system, wherein the payment authentication system determines the device fingerprint included in the authentication request matches a device fingerprint that is stored in association with the token by the payment authentication system, the match indicating the user device is authorized to use the token to make the payment;
receiving, from the payment authentication system, an authentication message responsive to the authentication request indicating the use of the token to make the payment is authenticated; and
using the token to make the payment to the merchant.