System and method for electronic check verification over a network
First Claim
1. Method of authenticating a consumer and authorizing a transaction over a network, the method comprising:
- requesting, by a user, performance of a transaction between said user and a merchant, said user and the merchant performing the transaction over a non-secure web page;
entering, by said user, transaction request information into a non-secure general purpose computer;
entering a user credential, by said user, into a user interface of the non-secure web page on the non-secure general purpose computer;
providing, by said non-secure general purpose computer, said transaction request information and a user credential data package, said user credential data package being a digital representation of an impression or imprint of said user'"'"'s selection of at least one graphic image representing a user'"'"'s bonafide user credential to a secure transaction manager via an Internet system;
combining, by said transaction manager, at least one of dynamic and corollary data with said user credential data package and securely providing the combination to a hardware security module (HSM);
distilling, by said HSM, said user credential data package into the user'"'"' bonafide credential and encrypting said user'"'"'s bonafide credential into a PIN Block; and
performing the remainder of said transaction.
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0 Petitions
Accused Products
Abstract
A method is disclosed of authenticating a consumer and authorizing a transaction over a network. The method includes first requesting, by a user, performance of a transaction between said user and a merchant, the user and the merchant performing the transaction over a non-secure web page. The user then enters transaction request information into a non-secure general purpose computer, and then enters a PIN into a graphic interface of the non-secure web page on the non-secure general purpose computer. providing, by the non-secure general purpose computer, the transaction request information and a PIN data package, the PIN data package being a digital representation of an impression of the users selection of at least one graphic image representing their PIN to a secure transaction manager via an internet system. The transaction manager then combines at least one of dynamic and corollary data with the PIN data package and securely provides the combination to a hardware security module (HSM). The HSM then distills the PIN data package into a PIN and encrypting the PIN into a PIN Block. Thereafter; the remainder of the transaction is performed.
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Citations
14 Claims
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1. Method of authenticating a consumer and authorizing a transaction over a network, the method comprising:
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requesting, by a user, performance of a transaction between said user and a merchant, said user and the merchant performing the transaction over a non-secure web page;
entering, by said user, transaction request information into a non-secure general purpose computer;
entering a user credential, by said user, into a user interface of the non-secure web page on the non-secure general purpose computer;
providing, by said non-secure general purpose computer, said transaction request information and a user credential data package, said user credential data package being a digital representation of an impression or imprint of said user'"'"'s selection of at least one graphic image representing a user'"'"'s bonafide user credential to a secure transaction manager via an Internet system;
combining, by said transaction manager, at least one of dynamic and corollary data with said user credential data package and securely providing the combination to a hardware security module (HSM);
distilling, by said HSM, said user credential data package into the user'"'"' bonafide credential and encrypting said user'"'"'s bonafide credential into a PIN Block; and
performing the remainder of said transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. Method of authenticating a consumer and authorizing a transaction over a network, the method comprising:
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requesting, by a user, performance of a transaction between said user and a merchant, said user and the merchant performing the transaction over a non-secure web page;
entering, by said user, transaction request information into a non-secure general purpose computer;
entering a user credential, by said user, into a user interface of the non-secure web page on the non-secure general purpose computer;
providing, by said non-secure general purpose computer, said transaction request information and a user credential data package, said user credential data package being a digital representation of an impression or imprint of said user'"'"'s selection of at least one graphic image representing a user'"'"'s bonafide user credential to a secure transaction manager via an Internet system;
combining, by said transaction manager, at least one of dynamic and corollary data with said user credential data package and securely providing the combination to a hardware security module (HSM);
extracting, by said transaction manager, said user credential data package into the user'"'"' bonafide credential; and
performing the remainder of said transaction. - View Dependent Claims (14)
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Specification