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System and method for authenticating users using two or more factors

  • US 20050268107A1
  • Filed: 04/22/2005
  • Published: 12/01/2005
  • Est. Priority Date: 05/09/2003
  • Status: Active Grant
First Claim
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1. A method of processing a request made by a user, comprising:

  • receiving the request and an identifier of the user;

    responsive to the request, authenticating the user by any two of the following three items;

    a. verifying knowledge of a piece of data that the user is likely to know, but is not generally known to be associated with the user;

    b. verifying use or possession of a device; and

    c. correlating at least one known physical characteristic of the user with the user; and

    processing the request responsive to the authenticating step.

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