Patent ID: 11909736
Assignee: WORLDPAY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 16:
17. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a computer system, cause the one or more processors to perform a method for authenticating an electronic transaction using a hosted authentication service, the method comprising:
receiving, by a requestor system, an authorization request for the electronic transaction from a POS terminal;
determining, by the requestor system, a requirement of a security assessment for the authorization request based, at least in part, on a security protocol that supports the electronic transaction;
receiving, by the requestor system, a markup language form based on a hosted authentication page of the hosted authentication service, wherein the hosted authentication page is generated by the requestor system, and wherein the markup language form includes a system return web address and a dummy authentication request;
generating, by the requestor system, a second markup language form based upon determining a requirement of an authentication challenge, wherein the second markup language form includes a request for user transaction data; and
generating, by the requestor system, a dummy authentication response to authorize the electronic transaction, wherein the dummy authentication response includes a result of the authentication challenge.