Patent ID: 9582799
Date: 2017-02-28
CPC Classifications: G06Q

Claim:
1. A method comprising: receiving, by a server computer, a consumer payment nickname from a client computer; receiving, by the server computer, a payment reference identifier from the client computer, wherein the payment reference identifier was previously generated by the server computer; analyzing, by the server computer, the received payment reference identifier; determining, by the server computer, that the received payment reference identifier matches the previously generated payment reference identifier to determine an authentication thread; analyzing, by the server computer, the consumer payment nickname; determining, by the server computer, an account identifier associated with the consumer payment nickname; determining, by the server computer, an authorization computer from the account identifier; generating, by the server computer, a message comprising the payment reference identifier and the account identifier; sending, by the server computer, the message comprising the payment reference identifier and the account identifier associated with the consumer payment nickname to the authorization computer; and receiving, from the authorization computer, the payment reference identifier and an authentication address, which is forwarded to the client computer and is used to authenticate a user that holds an account associated with the account identifier.