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

Claim 0:
1. A method for payment authentication implemented by a payment authentication system, the method comprising:
receiving, from a user device of a user associated with an account number, a token request that includes a first device fingerprint generated by the user device;
generating a token representing the account number;
storing the first device fingerprint in association with the token;
providing the token to the user device;
receiving, from a payment processing system, an authentication request that includes the token and a second device fingerprint generated by a customer device of a customer using the token to make a payment to a merchant to complete a transaction;
determining whether the second device fingerprint and the first device fingerprint stored in association with the token match, wherein determining a match indicates the customer device is the user device authorized to use the token to make the payment; and
generating and transmitting, to the payment processing system, an authentication message responsive to the authentication request based on the determination, wherein:
in response to determining the match, the authentication message indicates that the transaction is authenticated so that the token is used to make the payment to the merchant, or
in response to determining no match, the authentication message indicates that the transaction is denied.