Systems and methods for identity verification for secure transactions
First Claim
1. An identity verification secure transaction system comprising:
- a host computer for storing a user code associated with a user, for supplying a pseudo-random security string for a transaction, wherein said host computer determines a one time transaction code by applying said user code to said pseudo-random security string; and
at least one electronic device in electronic communication with said host computer for administering said transaction by receiving and displaying said pseudo-random security string and for receiving a user transaction input code, wherein said user transaction input code is determined by applying said user code to said pseudo-random security string displayed on said at least one electronic device and said user transaction input code is sent to said host computer;
wherein said host computer verifies that said user input code matches said one time transaction code.
3 Assignments
0 Petitions
Accused Products
Abstract
A method and system for secure identification of a person in an electronic communications environment, wherein a host computer is adapted to be able to communicate with a plurality of electronic devices operated by the user. The user is issued with a user code, known only to the user and stored in the host computer. When the user is required to identify themselves to the host computer, the host computer generates a pseudo-random security string and applies the user code to the pseudo-random security string to generate a transaction code. The host computer also transmits the pseudo-random security string to one of the electronic devices which is displayed by the electronic device to the user. The user applies their known user code to the displayed pseudo-random security string and determines the transaction code. The user enters the transaction code into an electronic device and the entered transaction code is then transmitted back to the host computer. Positive identification is achieved when the host computer determined transaction code matches the transaction code entered by the user. In addition, the system could employ a secure user code entry interface which would allow secure input of the user code.
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Citations
32 Claims
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1. An identity verification secure transaction system comprising:
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a host computer for storing a user code associated with a user, for supplying a pseudo-random security string for a transaction, wherein said host computer determines a one time transaction code by applying said user code to said pseudo-random security string; and
at least one electronic device in electronic communication with said host computer for administering said transaction by receiving and displaying said pseudo-random security string and for receiving a user transaction input code, wherein said user transaction input code is determined by applying said user code to said pseudo-random security string displayed on said at least one electronic device and said user transaction input code is sent to said host computer;
wherein said host computer verifies that said user input code matches said one time transaction code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19, 20, 21, 22, 23, 25, 26, 27, 28, 29)
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15. A method of verifying an identity for conducting secure transactions comprising the steps of:
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storing information about a user pin associated with a host computer;
generating a pseudo-random security string by said host computer;
determining a transaction code by applying said user pin to said pseudo-random security string;
transmitting said pseudo-random security string to at least one electronic device, displaying said pseudo-random security string on said at least one electronic device for use by said user to determine a user transaction input code by applying said user code to said pseudo-random security string;
inputting said user transaction input code on said at least one electronic device;
transmitting said user transaction input code from said at least one electronic device to said host computer; and
determining, by said host computer, whether said transaction code and said user transaction input code match.
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24. A secure user code entry interface system comprising:
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a secure user code entry interface for entry of a user code on an electronic device wherein said electronic device has a display;
wherein said secure user code entry interface contains at least one active display for entry of at least one digit of said user code by a user;
wherein said active display illuminates at least one display digit within said active display and said user enters said at least one digit of said user code by a response through an input device at a response time when said at least one display digit which corresponds with said at least one digit of said user code is illuminated in said active display; and
a random run on time is added to said response time to extend said at least one active display.
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30. An identity verification secure transaction system comprising:
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a host computer for storing a user code associated with a user;
an electronic device in electronic communication with said host computer, wherein said electronic device has a display and a user input device; and
a secure user code entry interface viewable on said display of said at least one electronic device for entry of said user code, wherein said secure user code entry interface contains at least one cycle with an active display for entry of said user code;
wherein said user enters at least one user code digit of said user code by a response through said user input device at a response time when a display digit which corresponds with said at least one user code digit of said user code is illuminated in said active display, andwherein said each digit of said at least one user code digit if entered in each cycle of said at least one cycle and a random run on time is added to said response time to extend each cycle of said at least one cycle; and
wherein the entered said user code is transmitted to said host computer for verification with the stored said user code. - View Dependent Claims (31, 32)
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Specification