Patent ID: 11972426
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: Telecommunications (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 6:
7. A system for authenticating a user, the system comprising:
a first server comprising:
a memory configured to store a plurality of authentication questions and a correct answer corresponding to each of the plurality of authentication questions, wherein the plurality of authentication questions are associated with an account, and wherein each of the plurality of authentication questions is of Boolean type;
a processor that communicates with the memory, wherein the processor is configured to:
receive an authorization request for a transaction from a second server, wherein the authorization request includes account identification information corresponding to the account;
upon receipt of the authorization request, determine a visual impairment status of the user based on the account identification information included in the authorization request;
determine, based on the determined visual impairment status, whether to perform a first authentication method for a visually impaired user or a second authentication method for a visually abled user;
perform the first authentication method when visual impairment has been determined, wherein, according to the first method, the processor is configured to:
generate a first set of authentication questions by randomly selecting a subset of questions from the plurality of authentication questions;
transmit the first set of authentication questions to a communication device by way of an interactive voice response (IVR) call;
receive a first set of user-generated answers corresponding to the first set of authentication questions from the communication device;
compare the first set of user-generated answers to their corresponding correct answers;
determine whether the user is an account holder of the account based on the comparison of the first set of user-generated answers to their corresponding correct answers; and

process the transaction based on the determination that the user is the account holder of the account, thereby authenticating the user,
wherein the first authentication method is initiated upon the determination of the visual impairment, and it is concluded by the determination that the user is the account holder of the account, and
wherein the first authentication method is an only method of authenticating the visually impaired user, utilized upon receiving the authorization request until the processing of the transaction.