View source for 18481283. Method, System, and Computer Program Product for Enhanced One-Time Password-Based Transaction Authorization (Visa International Service Association)

=Method, System, and Computer Program Product for Enhanced One-Time Password-Based Transaction Authorization=


==Organization Name==

[[:Category:Visa International Service Association|Visa International Service Association]]


[[Category:Visa International Service Association]]

==Inventor(s)==

[[:Category:Ayushi Rastogi of Punggol SG|Ayushi Rastogi of Punggol SG]][[Category:Ayushi Rastogi of Punggol SG]]

==Method, System, and Computer Program Product for Enhanced One-Time Password-Based Transaction Authorization==


This abstract first appeared for US patent application 18481283 titled 'Method, System, and Computer Program Product for Enhanced One-Time Password-Based Transaction Authorization

==Original Abstract Submitted==

Described are a method, system, and computer program product for enhanced one-time password-based transaction authorization. The method includes receiving a transaction request initiated by a user, and generating and transmitting a one-time password (OTP) to a user communication device of the user. The method also includes receiving a response code from the user communication device of the user. The method further includes verifying that the first portion of the response code matches the OTP. The method further includes identifying a user code stored in association with the user and verifying that the second portion of the response code matches the user code. The method further includes, in response to verifying that the first portion of the response code matches the OTP and that the second portion of the response code matches the user code, automatically authorizing the transaction request to be processed in an electronic payment processing network.



[[Category:G06Q20/38]]
[[Category:CPC_G06Q20/385]]