Patent ID: 9576288
Date: 2017-02-21
CPC Classifications: G06Q

Claim:
1. A method comprising: receiving a first request to conduct a transaction initiated by a user, the first request including a payment identifier; transmitting a message to a computing device associated with a controlling user associated with the payment identifier, the message including a second request for approval of the transaction; receiving a response to the message approving the transaction responded to by the controlling user using the computing device and a cookie from the computing device; performing a hash of the cookie; determining a hash value of the cookie matches a stored hash value of a previous cookie that was received from the computing device; mapping the hash value of the cookie and the payment identifier to the controlling user associated with the payment identifier based at least in part on determining that the hash value of the cookie matches the stored hash value of the previous cookie; determining a setting is elected to automatically approve the transaction without requesting authentication information from the controlling user; and automatically approving the transaction and refraining from sending, to the computing device, a third request to get the authentication information from the controlling user.