Patent ID: 9619801
Date: 2017-04-11
CPC Classifications: G06Q,H04W

Claim:
1. An apparatus for authenticating a User of a Retail Payment and Identification instrument as a precondition for confirming the User acceptance of the transaction, comprising: an Issuer Host for at least one Issuer of Retail Payment and Identification Instruments to authenticate the User, the Issuer Host being either an in-house or a third party solution interfacing with at least one Network and/or Acquirer Host for the purposes of receiving authorization requests and sending authorization responses, and programmed to connect to and communicate in real time with a User Gateway application by sending a User Approval request and receiving a User Approval response User Verification Method is encrypted; the User Gateway application implemented in an Issuer controlled environment and programmed to: connect to and communicate in real time with the Issuer Host for receiving the User Approval request from the Issuer Host; and connect to and communicate in real time with a User Application for the purpose of forwarding the User Approval request received from the Issuer Host to a User Application and receiving the User Approval response from the User Application, the User Application implemented on a data connected device and programmed to allow the User to sign in using the User Application and connect to and communicate in real time with the User Gateway application for receiving the User Approval request, capturing a unique User Verification Method from the User, and in response sending the User Approval response with the encrypted User Verification Method, where the encrypted User Verification Method is sent from the User Application through the User Gateway to the Issuer Host for verification without ever being captured, and outside of a Point of Acceptance environment where the transaction was initiated or processed through an Acquirer or Network environment through which a transaction authorization request was delivered to the issuer Host; wherein the issuer Host is further programmed to create and send the User Approval request to the User Gateway once the transaction authorization request is received from the Network or Acquirer and before the transaction authorization request is processed for approval by the issuer Host.