System and method for authenticating users using two or more factors
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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Abstract
A system and method authenticates users via any two or three of 1) Something the user knows; 2) Something the user has; and 3) A physical characteristic of the user.
658 Citations
1 Claim
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1. A method of processing a request made by a user, comprising:
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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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Specification