Systems and methods for use in authenticating consumers in connection with payment account transactions

Abstract

Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In one exemplary embodiment, a method includes detecting an authorization request for a transaction by a user directed to a payment account of the user and, in response to the authorization request, transmitting, to a communication device of the user, an authentication request including an instruction to move the communication device in a defined manner. The method also includes receiving, from the communication device, an indication of movement of the communication device and comparing, based on one or more curve/pattern matching algorithms, the movement of the communication device, from the indication, to a motion signature. The method then includes, based on a match between the movement of the communication device and the motion signature, communicating an authentication success message for the user to an issuer of the payment account.

What is claimed is: 
     
         1 . A computer-implemented method for use in authenticating a user to a payment account in connection with a transaction by the user using the payment account, the method comprising:
 detecting, by a computing device, an authorization request for a transaction by a user directed to a payment account of the user;   in response to the authorization request for the transaction, transmitting, by the computing device, to a communication device of the user, an authentication request, including an instruction, consistent with a motion signature, to move the communication device in a defined manner, whereby the user is directed to move the communication device in the defined manner;   receiving, by the computing device, from the communication device, an indication of movement of the communication device based on the authentication request;   comparing, by the computing device, based on one or more curve/pattern matching algorithms, the movement of the communication device, from the indication, to the motion signature; and   based on a match between the movement of the communication device and the motion signature, communicating, by the computing device, an authentication success message for the user to an issuer of the payment account.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the defined manner of the motion signature includes a motion consistent with a reference movement. 
     
     
         3 . The computer-implemented method of  claim 2 , wherein the reference movement includes multiple movements; and
 further comprising directing, by the computing device, the user to move the communication device, sequentially, consistent with the multiple movements.   
     
     
         4 . The computer-implemented method of  claim 3 , wherein the multiple movements define a geometric shape. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the defined manner is a motion signature registered, through the communication device, by the user. 
     
     
         6 . The computer-implemented method of  claim 1 , further comprising generating, by the computing device, the authentication request to include the instruction to move the communication device in the defined manner. 
     
     
         7 . The computer-implemented method of  claim 1 , further comprising, prior to the transaction:
 generating, by the computing device, the motion signature based on the movement of the communication device; and   storing, by the computing device, in memory, the motion signature as unique to the user.   
     
     
         8 . The computer-implemented method of  claim 7 , further comprising determining, prior to transmitting the authentication request, that the communication device is registered based on a payment account credential included in the authorization request. 
     
     
         9 . The computer-implemented method of  claim 7 , further comprising:
 generating, by the computing device, the instruction to move the communication device in the defined manner based on the stored motion signature, which is unique to the user, and based on the payment account credential included in the authorization request.   
     
     
         10 . A system for use in authenticating a user to a payment account in connection with a transaction by the user using the payment account, the system comprising:
 a memory comprising a payment account identifier for a payment account associated with a user and an association between the payment account and a communication device of the user; and   a processor in communication with the memory and configured to:
 receive an authorization request from a merchant for a transaction by the user, at the merchant, involving the payment account; 
 transmit, to the communication device, an authentication request, including an instruction, consistent with a motion signature, to move the communication device in a defined manner; 
 receive, from the communication device, an indication of movement of the communication device based on the authentication request; 
 compare, based on one or more curve/pattern matching algorithms, the movement of the communication device, from the indication, to the motion signature; and 
 based on a match between the movement of the communication device and the motion signature, communicate an authentication success message for the user to an issuer of the payment account. 
   
     
     
         11 . The system of  claim 10 , wherein the defined manner of the motion signature includes a motion consistent with a reference movement. 
     
     
         12 . The system of  claim 11 , wherein the reference movement includes multiple movements; and
 wherein the instruction includes instructions directing the user to move the communication device, sequentially, consistent with the multiple movements of the reference movement.   
     
     
         13 . The system of  claim 12 , wherein the multiple movements define a geometric shape. 
     
     
         14 . The system of  claim 10 , wherein the motion signature is a motion signature registered, prior to the transaction, through the communication device, by the user. 
     
     
         15 . The system of  claim 10 , wherein the processor is further configured to generate the authentication request to include the instruction to move the communication device in the defined manner. 
     
     
         16 . The system of  claim 10 , wherein the processor is further configured to:
 generate the motion signature based on the movement of the communication device; and   store, in a memory, the motion signature as unique to the user.   
     
     
         17 . The system of  claim 16 , wherein the processor is further configured to generate the instruction to move the communication device in the defined manner based on the stored motion signature, which is unique to the user in the memory, based on the payment account credential included in the authorization request. 
     
     
         18 . The system of  claim 10 , wherein the processor is further configured to determine, prior to transmitting the authentication request, that the communication device is registered based on a payment account credential included in the authorization request. 
     
     
         19 . A non-transitory computer readable storage medium including computer-executable instructions for authenticating a user to a payment account, which when executed by a processor of a communication device of the user, cause the processor to:
 receive an instruction, consistent with a motion signature, to move the communication device in a defined manner;   prompt the user to move the communication device consistent with the defined manner;   detect, by at least one of a gyro sensor and/or an accelerometer included in the communication device, movement of the communication device, including per unit time values indicative of the movement;   compare, based on one or more curve/pattern matching algorithms, the movement of the communication device, from the indication, to the motion signature; and   in response to a match between the movement of the communication device and the motion signature, communicate an authentication success message for the user to an issuer of the payment account.   
     
     
         20 . The non-transitory computer readable storage media of  claim 19 , wherein the defined manner is a motion signature registered, through the communication device, by the user.