Patents
US 12718303 B2: Systems and methods for using multi-factor authentication
- Granted
- 2026-08-25
- Filed
- 2022-10-03 application 17959153
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
An authentication computing device stores a cardholder profile that is associated with a candidate cardholder and includes a cardholder identifier, a device identifier, payment account data, and trusted authentication data in a database system, receives an authentication request that is associated with a tax filing of the candidate cardholder and includes a filing identifier from a revenue computing device, detects the authentication request is associated with the candidate cardholder based upon the filing identifier and the cardholder profile, transmits an identity challenge requesting authentication data associated with the candidate cardholder to a user device associated with the device identifier, receives a challenge response including response authentication data from the user device, determines an authentication status associated with the authentication request based on a comparison of the response authentication data and the trusted authentication data, and transmits the authentication status to the revenue computing device.
Source: PTBLXML, file of 2026-08-25 (ipgb20260825.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| MASTERCARD INTERNATIONAL INCORPORATED 2,394 patents | US company or organization | Purchase, NY | PTBLXML, file of 2026-08-25 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Brian Piel | Ballwin, MO | 20 | PTBLXML, file of 2026-08-25 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q40/123 | PTBLXML, file of 2026-08-25 |
| H04W | Wireless communication networks | H04W12/06 | PTBLXML, file of 2026-08-25 |
| H04L | Transmission of digital information, e.g. telegraphic communication | H04L2463/082 | PTBLXML, file of 2026-08-25 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.