Systems and methods for secure authentication of electronic transactions
First Claim
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11. A method for secure authentication, comprising:
- receiving an authentication request comprising transactional information;
generating an authentication request message in response to the authentication request;
transmitting the authentication request message to a terminal; and
receiving a response to the authentication request message from the terminal that is encrypted using a transactionally unique session key.
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Abstract
An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication process is secure. Further, the strong multi-factor authentication can be implemented with zero adoption dependencies through the implementation of automated enrollment methods.
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Citations
27 Claims
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11. A method for secure authentication, comprising:
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receiving an authentication request comprising transactional information;
generating an authentication request message in response to the authentication request;
transmitting the authentication request message to a terminal; and
receiving a response to the authentication request message from the terminal that is encrypted using a transactionally unique session key. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A terminal configured for secure authentication, the termianl comprising client software configured to allow the terminal to:
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receive an authentication request message from an authentication authority;
prompt a user to interface a token with the terminal;
extract unique information from the token once it is interfaced with the terminal;
prompt the user for a personal identifier; and
generate a response to the authentication request message based on the personal identifier and the unique information. - View Dependent Claims (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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23-1. The terminal of claim 18, wherein the unique information comprises a network address associated with the authentication authority.
Specification