Patent ID: 11948141
Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 4:
5. A system for securely initiating a checkout for a payment transaction including:
an initiator system;
an untrusted device;
an RCS-enabled mobile device;
an enrolled device database; and
a communication system operably connected to the initiator system, the untrusted device and the enrolled device database, and in secure communication with the RCS-enabled mobile device of the user;
wherein the initiator system is configured to:
receive from the untrusted device, a checkout request including a user identifier;
determine that the user identifier is associated with a rich communication service (RCS)-enabled mobile device in the enrolled device database, wherein the RCS-enabled mobile enrolled device is enrolled with the initiator system and with the communication system;
responsive to the determination that the user identifier is associated with the RCS-enabled mobile device, retrieve user data associated with the user identifier from the enrolled device database, wherein the user data comprises data required to communicate with the RCS-enabled mobile device;
send to the untrusted device a request for user instructions to perform a secure checkout with the RCS-enabled mobile device;
receive the user instructions from the untrusted device to perform the secure checkout with the RCS-enabled mobile device;
generate an enrolled device checkout request to perform the checkout with the RCS-enabled mobile device, wherein the enrolled device checkout request comprises a flag indicating that the checkout is to be performed by a Secure Remote Commerce (SRC) system;
send the enrolled device checkout request comprising the flag indicating that the checkout is to be performed by a SRC system to the communication system triggering the communication system to initiate the secure checkout by generating and transmitting a user verification request to the RCS-enabled mobile device over a secure communications channel maintained via an RCS chatbot;
receive a message from a transaction system that the transaction is complete; and
transmit the message to the untrusted device for display to the user.