Patent ID: 8639600
Filing Date: 2014-01-28
Classification: G06Q

Abstract:
1. A method comprising: performing the following software steps by a computer, the steps including: receiving, incident to a transaction being conducted by a merchant upon an account of an account holder, a logical address of a computing device having a display with display attributes that is being used to conduct the transaction, and a mobile transaction flag, wherein the logical address of the computing device is extracted from a message header of a message from the computing device and identified as a cellular telephone number by a merchant purchase interface; obtaining the display attributes of the display of the computing device by accessing, using at least the logical address of the computing device, a database associated with an authentication service; formatting an authentication request using the obtained display attributes of the computing device; sending the formatted authentication request for delivery to the logical address of the computing device; receiving, from the logical address of the computing device and in response to the formatted authentication request, authentication information for the account holder; performing a validation attempt on the received authentication information for the account holder; and if the received authentication information for the account holder was successfully validated by the performance of the validation attempt, transmitting an authentication response for delivery to a logical address for the merchant, wherein: if the received authentication information for the account holder was successfully validated by the performance of the validation attempt, the steps further comprise digitally signing the authentication response to the authentication request for the authentication information for the account holder, wherein the authentication response that is transmitted for delivery to the logical address of the merchant is the digitally signed authentication response; and the step of receiving the logical address of the computing device is performed by receipt of one or more transmissions over the internet.