Abstract
A payments platform includes cloud tokenization and user authentication capabilities that are integrated with browser autofill technology to protect payment instruments such as credit cards from being compromised. A tokenized card number, expiration date, and a one-time use and dynamic value can be passed as part of a payment transaction. These fields can be accepted by merchant websites with no merchant API integration. With cloud tokenization, a credit card Funding Primary Account Number (FPAN) is not shared online. Cloud tokens can be created for a user/FPAN combination and a dynamic value can be used to protect the card from replay attacks while providing the same integration with payment gateways. In example embodiments, a secure biometric authentication process can be provided for users prior to auto-filling payment credentials into a form, such as a merchant form on a checkout page. Payment credentials can be securely bound to a user’s account with a payment management computing system and can additionally be securely bound to a user computing device by a successful check with an issuer computing system associated with the payment credentials.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Lin, Ling and Nainamvalappil Cheriyakath, Aneesh Ali, "Automatic Form Filling with Secure Payment Credentials and Biometric Authentication", Technical Disclosure Commons, (June 22, 2020)
https://www.tdcommons.org/dpubs_series/3351