Methods, systems, and computer program products for transaction authentication may use a mobile phone number as a consumer identifier to trigger transaction authentication inside a trusted mobile application. A consumer may select a payment device associated with the application at an e-commerce website, enter the mobile phone number, and in response thereto, receive a notification on a mobile phone associated with the application. The consumer reviews the transaction details and approves the transaction via the application using biometrics and/or a personal identification number (PIN).
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Witkowski, Marcin; Maciejewski, Maciej; and Zacharjasz, Igor, "Method, System, and Computer program product for transaction authentication", Technical Disclosure Commons, (August 04, 2021)