Electronic transaction verification system
First Claim
Patent Images
1. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
- communicating identifying data unique to a user account to a transaction terminal to authorize a transaction for that user account;
communicating a request for verification of the user account to a processing system, the processing system including access to stored authentication data and to identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with the user account for which verification is requested; and
communicating verification to the transaction terminal if remote identification data is communicated from the identifying device which sufficiently matches the stored authentication data associated with the user account for which verification is requested.
1 Assignment
0 Petitions
Accused Products
Abstract
An apparatus, method and program product receive remote identification data from an identification device (12) associated with a user account in response to initiation of an electronic transaction at a terminal (22). The identifying device communicates the remote identification data to a processing system (16), where it is compared against stored authentication data associated with the user account. The processing system (16) communicates verification to the terminal (22) if a match is determined, allowing the electronic transaction to proceed.
324 Citations
67 Claims
-
1. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating identifying data unique to a user account to a transaction terminal to authorize a transaction for that user account;
communicating a request for verification of the user account to a processing system, the processing system including access to stored authentication data and to identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with the user account for which verification is requested; and
communicating verification to the transaction terminal if remote identification data is communicated from the identifying device which sufficiently matches the stored authentication data associated with the user account for which verification is requested. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
-
-
32. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating identifying data unique to a user account to a transaction terminal to authorize a transaction for that user account;
communicating a request for verification of the user account to a processing system, the processing system including access to stored authentication data and to identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with the user account for which verification is requested;
communicating remote identification data from the identifying device in response to the request therefore; and
determining if the remote identification data communicated from the identifying device sufficiently matches the stored authentication data associated with the user account for which verification is requested, and if it does, communicating verification to the transaction terminal.
-
-
33. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating identifying data unique to a user account to a transaction terminal to authorize a transaction for that user account;
communicating a request for verification of the user account to a processing system, the processing system including access to stored authentication data and identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with the user account for which verification is requested;
communicating remote identification data from the identifying device in response to the request therefore; and
determining if the remote identification data communicated from the identifying device sufficiently matches the stored authentication data associated with the user account for which verification is requested. - View Dependent Claims (34)
-
-
35. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating identifying data unique to a user account to a transaction terminal to authorize a transaction for that user account;
communicating a request for verification of the user account to a processing system, the processing system including access to identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with the user account for which verification is requested, wherein the identifying device has access to stored authentication data; and
communicating verification to the transaction terminal if remote identification data is communicated to the identifying device sufficiently matches the stored authentication data associated with the user account for which verification is requested.
-
-
36. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating identifying data unique to a first user account to a transaction terminal to authorize a transaction for the first user account;
communicating a request for verification of the first user to a processing system, the processing system including access to stored authentication data and identifying devices for a plurality of user accounts;
communicating a request for remote identification data to an identifying device associated with a second user; and
communicating verification to the transaction terminal if remote identification data is communicated from the identifying device which sufficiently matches the stored authentication data associated with the second user. - View Dependent Claims (37, 38)
-
-
39. A transaction verification method wherein a user has a user account with identifying data unique to that user account, the method comprising:
-
communicating remote identification data and a transaction terminal identification from an identifying device associated with a user account to a processing system, the processing system including access to stored authentication data and to identifying devices for a plurality of user accounts; and
in response to a request for verification from a transaction terminal, communicating verification to the transaction terminal if the transaction terminal is identified by the transaction terminal identification and the remote identification data communicated from the identifying device sufficiently matches stored authentication data associated with the user account.
-
-
40. An apparatus, comprising:
-
a transaction terminal for authorizing a transaction configured to receive identifying data unique to a user account;
an identifying device associated with the user account and configured to receive remote identification data from a user in response to a request for remote identification data;
a processing system in communication with the identifying device including access to stored authentication data and identifying device'"'"'s for a plurality of user accounts, wherein the processing system receives the remote identification data from the identifying device; and
program code executed by the processing system configured to both initiate sending the request for remote identification data to the identifying device and to send verification to the transaction terminal after determining if the remote identification data matches the stored authentication data. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64)
-
-
65. An apparatus, comprising:
-
a transaction terminal for authorizing a transaction configured to receive identifying data unique to a user account;
an identifying device associated with the user account and configured to receive remote identification data from a user in response to a request for remote identification data, the identifying device including access to stored authentication data;
program code executed by the identifying device configured compare the remote identification data to the stored authentication data to determine if there is a sufficient match, and to generate a signal communicating the results of the comparison; and
a processing system including access to the identifying device, along with a plurality of other identifying devices, wherein the processing system communicates verification to the transaction signal in response to receiving the signal from the identifying device.
-
-
66. A program product, comprising:
-
a program resident on a processing system including access to stored authentication data, and identifying devices for a plurality of user accounts, as well as to remote identification data from an identification device associate with a user account, wherein the program determines if the remote identification data matches the stored authentication data and initiates communicating verification to a transaction terminal configure to authorize a transaction in response to the verification; and
a signal bearing medium bearing the program. - View Dependent Claims (67)
-
Specification