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Two device authentication

  • US 10,460,316 B2
  • Filed: 04/05/2010
  • Issued: 10/29/2019
  • Est. Priority Date: 04/05/2010
  • Status: Active Grant
First Claim
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1. A method of performing on-line transactions, comprising:

  • generating, by a processor of a payment provider, a transaction identifier (ID) based on information received from a first user device for a transaction that is initiated by a user without the user entering authentication information of the user, the authentication information including a password, wherein the transaction ID is generated without the authentication information of the user;

    transmitting the transaction ID to the first user device;

    receiving the transaction ID from a second user device that is electronically coupled to the first user device via one of the following protocols;

    Bluetooth, Radio Frequency (RF), Infrared (IR), microwave, Near Field Communication (NFC), RF identification (RFID), or Ultra Wideband, wherein the transaction ID is automatically communicated electronically from the first user device to the second user device, in response to an electronic discovery or electronic pairing process between the first user device and the second user device;

    receiving, from the second user device, user identification information that identifies an account of the user with the payment provider;

    after the receiving of the transaction ID and the user identification information, initially authenticating, by the processor of the payment provider and without manually-entered user authentication information, the user for the transaction, wherein the initially authenticating comprises;

    locating the account of the user by matching the received user identification information with stored user identification information of a plurality of users;

    locating the transaction based on the received transaction ID; and

    granting, to the first user device or the second user device, access to the account of the user in response to the locating of the account of the user and the locating of the transaction; and

    processing the transaction in response to the initially authenticating.

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