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Network-based verification and fraud-prevention system

  • US 20060136595A1
  • Filed: 12/01/2005
  • Published: 06/22/2006
  • Est. Priority Date: 12/08/1998
  • Status: Abandoned Application
First Claim
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1. A method for authenticating a person requesting a service, comprising the steps of:

  • (a) soliciting an account identification from the person;

    (b) using an automatic funds transfer protocol and the account identification to make a deposit in the account, and entering a unique code in a field of the protocol that is retrievable from the account after the deposit is made;

    (c) soliciting from the person, after the deposit has been made, the code entered into the field of the protocol; and

    (d) matching the code returned by the person with the code entered into the field to make the deposit, a successful match authenticating the person.

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