System for authentication and identification for computerized and networked systems
First Claim
1. A system for authenticating a user for a transaction, comprising:
- means for generating, from among a set of characters, a scrambled set of characters, in an array format;
a key having a plurality of view areas, said key being uniquely associated with a predetermined code, and said plurality of view areas being arranged on said key in accordance with said predetermined code;
an input means for allowing the user to input a password, said password comprising selected characters from said scrambled array, said selected characters having been revealed to the user by said key when said key is placed over said scrambled array; and
means for correlating said password with said predetermined code;
whereby the user is authenticated for the transaction if said entered password correlates to said predetermined code, and the user is not authenticated for the transaction if said entered password does not correlate to said predetermined code.
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Accused Products
Abstract
The invention consists of a uniquely punched or printed key, often in the form of a card, that is used to identify and authenticate a user during online transactions. The computer randomly generates an array of characters, such as numbers, letters or symbols, which is displayed to the user, e.g., on a computer monitor, or printed, such as in matrix format. When held over the displayed matrix, the key allows the user to view only certain portions of the matrix, which portions together form the user'"'"'s one-time-password, which is unique for each authentication transaction. The user is then authenticated by utilizing both the actual key and a password or personal identification number. This two-pronged requirement for authentication insures the high security level provided by the system.
76 Citations
47 Claims
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1. A system for authenticating a user for a transaction, comprising:
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means for generating, from among a set of characters, a scrambled set of characters, in an array format;
a key having a plurality of view areas, said key being uniquely associated with a predetermined code, and said plurality of view areas being arranged on said key in accordance with said predetermined code;
an input means for allowing the user to input a password, said password comprising selected characters from said scrambled array, said selected characters having been revealed to the user by said key when said key is placed over said scrambled array; and
means for correlating said password with said predetermined code;
whereby the user is authenticated for the transaction if said entered password correlates to said predetermined code, and the user is not authenticated for the transaction if said entered password does not correlate to said predetermined code. - 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, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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Specification