SYSTEMS AND METHODS FOR AUTHENTICATING ELECTRONIC TRANSACTIONS AT VIRTUAL REALITY DEVICES USING MOBILE APP PAYMENT ACCOUNT(S)
A method of authenticating payment transactions in virtual reality environments using user data includes receiving user registration with a payment application, the registration including stored user data; detecting a virtual reality device; linking the payment application to the virtual reality device; detecting an item selection for purchase in a virtual reality environment provided by the virtual reality device; and prompting payment authentication of the selected item in the virtual reality environment using the stored user data of the payment application.
1 - 20 . (canceled)
21 . A system for authenticating payment transactions in virtual reality environments using user data, the system comprising:
a data storage device storing instructions for authenticating payment transactions in virtual reality environments using the user data; and
a processor configured to execute the instructions to perform a method including:
receiving, by a payment mobile application installed on a mobile consumer device of a user, a user registration, the user registration including stored biometric data;
detecting, by the mobile consumer device, a virtual reality device;
establishing, by the mobile consumer device, a connection with the virtual reality device;
receiving, by the mobile consumer device, a user selection of an item for purchase in a virtual reality environment provided by the virtual reality device;
receiving, by the mobile consumer device from a virtual reality platform via a network, a payment request message for the purchase for the item, based on the user selection of the item;
generating, by the mobile consumer device, a prompt for the user to provide payment credentials, the payment credentials including biometric data;
receiving, by the mobile consumer device, the payment credentials from the user;
comparing, by the mobile consumer device, the stored biometric data with the biometric data received with the payment credentials;
determining, by the mobile consumer device, an authentication of the user based on comparing stored biometric data with the biometric data received with the payment credentials;
authorizing, by the mobile consumer device, the payment request message based on determining the user is authenticated; and
transmitting, by the mobile consumer device to the virtual reality platform via the network, a payment response message for the purchase of the item.
22 . The system of claim 21 , wherein the virtual reality device cannot store, contain, or access the user registration.
23 . The system of claim 21 , wherein the processor is further configured for:
based on determining the user is not authenticated, generating a second prompt for the user to provide payment credentials.
24 . The system of claim 21 , wherein the processor is further configured for:
pairing the mobile consumer device with the virtual reality device.
25 . The system of claim 21 , wherein the processor is further configured for:
pairing the mobile consumer device with the virtual reality device via Bluetooth.
26 . The system of claim 24 , wherein the processor is further configured for:
pairing the mobile consumer device with the virtual reality device via a Quick Response (QR) Code.
27 . The system of claim 24 , wherein the processor is further configured for:
pairing the mobile consumer device with the virtual reality device via a Near Field Communication (NFC) tag.
28 . The system of claim 24 , wherein the processor is further configured for:
generating a private session between the mobile consumer device and the virtual reality device, and
generating a user interface or icon in the virtual reality environment based on another prompt from the payment application or the mobile consumer device.
29 . A computer-implemented method of authenticating payment transactions in virtual reality environments using user data, the method comprising:
receiving, by a payment mobile application installed on a mobile consumer device of a user, a user registration, the user registration including stored biometric data;
detecting, by the mobile consumer device, a virtual reality device;
establishing, by the mobile consumer device, a connection with the virtual reality device;
receiving, by the mobile consumer device, a user selection of an item for purchase in a virtual reality environment provided by the virtual reality device;
receiving, by the mobile consumer device from a virtual reality platform via a network, a payment request message for the purchase for the item, based on the user selection of the item;
generating, by the mobile consumer device, a prompt for the user to provide payment credentials, the payment credentials including biometric data;
receiving, by the mobile consumer device, the payment credentials from the user;
comparing, by the mobile consumer device, the stored biometric data with the biometric data received with the payment credentials;
determining, by the mobile consumer device, an authentication of the user based on comparing stored biometric data with the biometric data received with the payment credentials;
authorizing, by the mobile consumer device, the payment request message based on determining the user is authenticated; and
transmitting, by the mobile consumer device to the virtual reality platform via the network, a payment response message for the purchase of the item.
30 . The computer-implemented method of claim 29 , wherein the virtual reality device cannot store, contain, or access the user registration.
31 . The computer-implemented method of claim 29 , further comprising:
based on determining the user is not authenticated, generating a second prompt for the user to provide payment credentials.
32 . The computer-implemented method of claim 29 , further comprising:
pairing the mobile consumer device with the virtual reality device.
33 . The computer-implemented method of claim 29 , further comprising:
pairing the mobile consumer device with the virtual reality device via Bluetooth.
34 . The computer-implemented method of claim 32 , further comprising:
pairing the mobile consumer device with the virtual reality device via a Quick Response (QR) Code.
35 . The computer-implemented method of claim 32 , further comprising:
pairing the mobile consumer device with the virtual reality device via a Near Field Communication (NFC) tag.
36 . The computer-implemented method of claim 35 , further comprising:
generating a private session between the mobile consumer device and the virtual reality device, and
generating a user interface or icon in the virtual reality environment based on another prompt from the payment application or the mobile consumer device.
37 . A non-transitory machine-readable medium storing instructions that, when executed by a server, cause the server to perform a method for authenticating payment transactions in virtual reality environments using user data, the method including:
receiving, by a payment mobile application installed on a mobile consumer device of a user, a user registration, the user registration including stored biometric data;
detecting, by the mobile consumer device, a virtual reality device;
establishing, by the mobile consumer device, a connection with the virtual reality device;
receiving, by the mobile consumer device, a user selection of an item for purchase in a virtual reality environment provided by the virtual reality device;
receiving, by the mobile consumer device from a virtual reality platform via a network, a payment request message for the purchase for the item, based on the user selection of the item;
generating, by the mobile consumer device, a prompt for the user to provide payment credentials, the payment credentials including biometric data;
receiving, by the mobile consumer device, the payment credentials from the user;
comparing, by the mobile consumer device, the stored biometric data with the biometric data received with the payment credentials;
determining, by the mobile consumer device, an authentication of the user based on comparing stored biometric data with the biometric data received with the payment credentials;
authorizing, by the mobile consumer device, the payment request message based on determining the user is authenticated; and
transmitting, by the mobile consumer device to the virtual reality platform via the network, a payment response message for the purchase of the item.
38 . The non-transitory machine-readable medium of claim 37 , wherein the virtual reality device cannot store, contain, or access the user registration.
39 . The non-transitory machine-readable medium of claim 37 , further configured to cause the server to perform a method comprising:
based on determining the user is not authenticated, generating a second prompt for the user to provide payment credentials.
40 . The non-transitory machine-readable medium of claim 37 , further configured to cause the server to perform a method comprising:
pairing the mobile consumer device with the virtual reality device.