Secure multi-factor tokenization-based push/response commerce platform
Example methods, apparatuses, and systems are presented that allows a user to make a secure purchase online, directly through accessing an online advertisement and without being redirected to multiple, cumbersome webpages to process different pieces of information to complete the transaction, while still leveraging existing e-commerce entities, such as existing payment platforms and existing ad/content networks. The present system includes a commerce ads engine (CA engine) that interfaces with the user through an app associated with the CA engine, a tokenization platform for authentication of the user, and a merchant providing relevant offer and check out information about a product being advertised in an online ad. The present system integrates new information embedded into online advertisements that interfaces with the CA engine and allows for the user to reliably provide authentication while purchasing the desired product, and without accessing or being redirected to multiple websites as is conventionally done.
1 . A computer-implemented method of enhancing security of a transaction, the method comprising:
transmitting, via a processor of a commerce ads engine, a fragmented authentication token to a customer device, wherein the fragmented authentication token is uniquely associated with the customer device;
converting, via a processor of an advertisement content network, a merchant offer data into a digital advertisement comprising a digital link configured to pass along an offer ID when the digital link is selected at the customer device;
transmitting, via the processor of the advertisement content network to a browser of the customer device, the digital advertisement comprising the digital link associated with merchant offer data;
receiving, via the processor of the commerce ads engine from the browser of the customer device, the offer ID passed from the digital link via user selection of the digital link at the customer device;
receiving, via the processor of the commerce ads engine, an authentication of the fragmented authentication token from the customer device, wherein the authentication is based on a user interaction with the digital link;
correlating, via the processor of the commerce ads engine, the received offer ID with the merchant offer data to a merchant associated with the merchant offer data;
initiating, via the processor of the commerce ads engine, the transaction between a user of the customer device and the merchant based on the correlation and the received authentication of the fragmented authentication token; and
transmitting, via the processor of the commerce ads engine, merchant offer data, merchant account information, customer payment information, and the authenticated fragmented authentication token in association with a purchase of a product to a payment checkout platform.
2 . The method of claim 1 , wherein the user selection comprises a user interaction with a script embedded in the digital advertisement.
3 . The method of claim 1 , wherein the digital advertisement is configured to store authentication information associated with the fragmented authentication token.
4 . The method of claim 3 , wherein the authentication of the fragmented authentication token is based on the authentication information stored within the digital advertisement.
5 . The method of claim 1 , further comprising:
correlating, via the processor of the commerce ads engine, the fragmented authentication token with existing identification information based on the received authentication of the fragmented authentication token.
6 . The method of claim 5 , wherein the existing information comprises information associated with a payment platform.
7 . The method of claim 6 , wherein initiating the transaction between the user of the customer device and the merchant is further based on the existing information.
8 . The method of claim 1 , further comprising:
verifying, via the processor of the commerce ads engine, the merchant based on the merchant offer data.
9 . The method of claim 8 , further comprising:
receiving, via the processor of the commerce ads engine, the merchant account information based on the verification of the merchant.
10 . The method of claim 9 , wherein initiating the transaction between the user of the customer device and the merchant is further based on the merchant account information.
11 . The method of claim 1 , wherein the merchant offer data comprises at least one of the offer ID that uniquely identifies the merchant offer data, a type of product, an expiration, a SKU, a price, a shipping parameter, and a number of units to be provided, or combinations thereof.
12 . The method of claim 1 , wherein the authentication of the fragmented authentication token comprises at least one of a biometric reading, a PIN, and an algorithmic authentication, or combinations thereof.
13 . A secure authentication system for transactions between a merchant and a customer, the system comprising:
a tokenization platform comprising a tokenization platform processor and a tokenization platform memory including tokenization platform executable instructions that when executed by the tokenization platform processor perform operations comprising:
generating a fragmented authentication token configured to authenticate a secure checkout procedure at a payment checkout platform; and
an advertisement content network comprising an advertisement content network processor and an advertisement content network memory including advertisement content network executable instructions that when executed by the advertisement content network processor perform operations comprising:
converting a merchant offer data into a digital advertisement comprising a digital link configured to pass along an offer ID when the digital link is selected at a customer device;
transmitting, to a browser of the customer device, the digital advertisement comprising the digital link associated with merchant offer data; and
a commerce ads engine comprising a commerce ads engine processor and a commerce ads engine memory including commerce ads engine executable instructions that when executed by the commerce ads engine processor perform operations comprising:
receiving a fragmented authentication token from the tokenization platform;
transmitting the fragmented authentication token to the customer device, wherein the fragmented authentication token is uniquely associated with the customer device;
receiving, from the browser of the customer device, the offer ID passed from the digital link via user selection of the digital link at the customer device;
receiving an authentication of the fragmented authentication token from the customer device, wherein the authentication is based on the user interaction with the digital link;
correlating the received offer ID with the merchant offer data to a merchant associated with the merchant offer data;
initiating the transaction between the user of the customer device and the merchant based on the correlation and the received authentication of the fragmented authentication token; and
transmitting the merchant offer data, merchant account information, customer payment information, and the authenticated fragmented authentication token in association with a purchase of a product to a payment checkout platform.
14 . The system of claim 13 , wherein the digital advertisement is configured to store authentication information associated with the fragmented authentication token, and wherein the authentication of the fragmented authentication token is based on the authentication information stored within the digital advertisement.