Mastercard Incorporated
Systems and methods for authenticating users in connection with mobile operations

Abstract:

Systems and methods provide multi-function authentication. One exemplary method includes receiving a request to opt into multi-function authentication. A primary operation-based key is generated by the communication device, the operation-based key accessible based on authentication of the user and available for use after the authentication. The primary key is imported, by an application, into a secure key data structure, such that it is only accessible by the application. When the biometric authentication of the user is successful, the communication device transmits to an account server an indication that the user is eligible for multi-function authentication. The communication device receives a time-based secondary key from the account server, wherein the time-based key is useable only during a defined interval. The application links the secondary key to the primary key and imports the secondary key into the data structure such that it is only accessible via the primary key.