Universal secure registry
First Claim
1. An authentication system to enable a transaction involving a first party and a user, the system comprising:
- an electronic device comprising a communications interface and one or more processors;
wherein the one or more processors are configured to;
receive authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a personal identification number (PIN) or code;
authenticate an identity of the user based on the received authentication information; and
generate a time-varying value in response to authenticating the user, wherein at least a portion of the time-varying value is used to access account identifying information or user identifying information, and wherein the time-varying value includes a time value representative of when the time-varying value is generated;
wherein the communications interface is configured to communicate a signal comprising the time-varying value to the first party, the time-varying value configured to be provided by the first party to a secure registry to enable the secure registry to extract the time value from the time-varying value and map the time-varying value to the identity of the user using the time value and the time-varying value in order to enable a transaction on behalf of the user.
0 Assignments
0 Petitions
Accused Products
Abstract
An authentication system and method of use are provided to enable a transaction involving a first party and a user, the system comprising an electronic device comprising a communications interface and one or more processors. The one or more processors are configured to receive biometric information of the user and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information, wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user, and wherein the received biometric information is verified at a point of use.
-
Citations
29 Claims
-
1. An authentication system to enable a transaction involving a first party and a user, the system comprising:
-
an electronic device comprising a communications interface and one or more processors; wherein the one or more processors are configured to; receive authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a personal identification number (PIN) or code; authenticate an identity of the user based on the received authentication information; and generate a time-varying value in response to authenticating the user, wherein at least a portion of the time-varying value is used to access account identifying information or user identifying information, and wherein the time-varying value includes a time value representative of when the time-varying value is generated; wherein the communications interface is configured to communicate a signal comprising the time-varying value to the first party, the time-varying value configured to be provided by the first party to a secure registry to enable the secure registry to extract the time value from the time-varying value and map the time-varying value to the identity of the user using the time value and the time-varying value in order to enable a transaction on behalf of the user. - View Dependent Claims (2, 3, 13, 14, 15, 16)
-
-
4. A method for enabling a transaction involving a first party and a user, the method comprising:
-
receiving authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a personal identification number (PIN); authenticating an identity of the user based on the received authentication information; generating a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access at least one of account identifying information and/or user identifying information; and communicating a signal comprising the one-time code to the first party, wherein the one-time code is configured to be provided, with an identification of the first party, from the first party to a secure registry to enable the secure registry to map the one-time code to the identity of the user using the one-time code, and execute a restriction mechanism to determine compliance with any access restrictions for the first party to secure data of the user for completing the transaction based on the identification of the first party and the one-time code, in order to enable a transaction on behalf of the user. - View Dependent Claims (5, 6, 17, 18, 19, 20, 21, 22, 23, 24)
-
-
7. A computer readable medium or media containing instructions for authenticating a user involved in a transaction, wherein execution of the instructions by one or more processors causes the one or more processors to carry out the steps of:
-
receiving authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a PIN or code; authenticating an identity of the user based on the received authentication information; generating a time-varying code in response to authenticating the user, wherein at least a portion of the time-varying code is used to access account identifying information or user identifying information, and wherein the time-varying code includes a time value representative of when the time-varying code is generated; and communicating a signal comprising the time-varying code to the first party, the time-varying code configured to be provided, with an identification of the first party, from the first party to a secure registry to enable the secure registry to extract the time value from the time-varying code, map the time-varying code to the identity of the user using the time value and the time-varying code, and execute a restriction mechanism to determine compliance with any access restrictions for the first party to secure data of the user for completing the transaction based on the identification of the first party and the time-varying code, in order to enable a transaction on behalf of the user without the user receiving communications from the secure registry. - View Dependent Claims (8, 9, 25, 26)
-
-
10. An authentication system to enable a transaction involving a first party and a user, the system comprising:
-
an electronic device comprising a communications interface and one or more processors; wherein the one or more processors are configured to; receive biometric information of the user; authenticate an identity of the user based on the received biometric information; and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access at least one of account identifying information and/or user identifying information, and wherein the one-time code includes a time value representative of when the one-time code is generated; and a computer system, the computer system comprising; a communications interface configured to receive the one-time code and an identification of the first party; and one or more processors configured to; extract the time value from the one-time code; determine the identity of the user using the time value and the one-time code; execute a restriction mechanism to determine compliance with any access restrictions for the first party to secure data of the user based on the identification of the first party; and retrieve account information associated with the electronic device, and to use the retrieved account information to access the at least one of the account identifying information and/or the user identifying information. - View Dependent Claims (11, 12, 27, 28, 29)
-
Specification