Mastercard International Incorporated

Shivani Magarkar

Jaipal Singh Kumawat

Gurpreet Atwal

A method for linking an initial authentication of an online transaction to a subsequent authorization of the online transaction is provided. The method includes: receiving an authentication request message including transaction data, storing in an authentication database authentication data including an initial transaction amount, causing margin data representative of an authentication margin to be associated with the authentication data in the authentication database, receiving a request to link an authorization request message for the online transaction to the authentication data wherein the authorization request message including a fulfillment transaction amount greater than the initial transaction amount, determining that the fulfillment transaction amount does not exceed the initial transaction amount by more than the authentication margin, and transmitting an indication that the authorization request message is successfully linked to the authentication data, thereby enabling authorization by the payment network of the online transaction including the fulfillment transaction amount.

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Betul, India

Shivani Magarkar