International Business Machines Corporation

Airbnb, Inc.

Morgan D Davis

Daniel Ramirez

Timothy Clyde Buchholtz

Michael James Rohn

Anthony Gus Aipperspach

Kent Harold Haselhorst

Kerry Christopher Imming

Matthew Roger Ellavsky

Mark G Veldhuizen

Authentication includes receiving an indication of physical possession of a payment card by a merchant and receiving a purchase request for an authorization of an exchange from the payment account of the cardholder to the merchant. Authentication includes assigning a randomized transaction identifier to the request for the authorization of the exchange. The method also includes transmitting the request for the authorization of the exchange from the payment account of the cardholder to the merchant and receiving the assigned randomized transaction identifier and a randomized authentication identifier associated with the randomized transaction identifier from a payment association, the payment association determining whether the request for the authorization of the exchange is valid. Authentication includes transmitting a copy of the randomized authentication identifier to the mobile device and receiving validation that the transmitted copy of the randomized authentication identifier from the mobile device matches the randomized authentication identifier.

Multi-point authentication for payment transactions

Authentication for payment transaction includes receiving, by a point-of-sale (POS) terminal, an indication that a payment account of a cardholder is associated with a mobile device and receiving a second indication of physical possession of a payment card by a merchant. The authentication includes receiving a purchase request for an authorization of exchange from the payment account of the cardholder to the merchant and assigning a transaction identifier to the request for the authorization of the exchange. The authentication includes transmitting the request for authorization of the exchange from the cardholder payment account to the merchant and the transaction identifier. The authentication includes receiving an indication that an authentication identifier is associated with the transaction identifier. The authentication includes receiving a copy of the authentication identifier, facilitated by the cardholder. The authentication includes receiving validation that the copy of the authentication identifier matches the authentication identifier.

Authentication includes determining that a cardholder payment account is associated with a mobile device. Authentication includes receiving an indication of physical possession of a payment card. Authentication includes receiving a purchase request for an authorization of an exchange of funds from the cardholder account to the merchant. Authentication includes receiving a randomized transaction identifier to the request for the authorization of the exchange. Authentication includes transmitting to the mobile device, information associated with the request. Authentication includes transmitting to the mobile device, a request for confirmation of the authorization from the cardholder from the account of the cardholder to the merchant. Authentication includes receiving an indication, facilitated by the cardholder, that the exchange is authorized. Authentication includes authorizing the exchange of from the payment account of the cardholder to the merchant.

A method and elastic buffer circuit are provided for implementing low power, single master-slave elastic buffers in a network chip design to provide a continuous stream of data to multiple sinks from multiple sources, and a design structure on which the subject circuit resides. An elastic buffer only uses a single master-slave register. The circuit includes a finite state machine, and a latch control block (LCB) to implement the single master-slave elastic buffer removing all &#xbd; cycle paths between buffer locations enabling usage of the single master-slave register.

Growing community of inventors

Rochester, MN, United States of America

Morgan D Davis