A Method of Authentication
First Claim
1. A method for authenticating the identity of a first party in a transaction between the first party and a second party performed on a communications network, comprising the steps of:
- receiving registration data specific to the first party;
receiving from the second party an authentication request together with data related to the first party;
verifying that the data relates to the first party;
sending a communication to a predetermined network location known to the first party, the communication including details of a transaction specific location on the network;
receiving a response from the first party from the transaction specific location; and
confirming approval or decline of the transaction to the second party depending on the response from the first party.
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Accused Products
Abstract
The present invention relates to the authentication of parties involved in transactions performed remotely over a network, such as the Internet. When a first party initiates a transaction with a second party, the second party can request authentication of the first party. Authentication is carried out by sending a communication to the first party, which includes a redirection to a transaction specific location,. At the transaction specific location the first party is required to approve the transaction as well as answer some identifying question or questions. If the transaction is approved and the question or questions answered correctly, the second party is informed that the transaction can be approved.
206 Citations
16 Claims
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1. A method for authenticating the identity of a first party in a transaction between the first party and a second party performed on a communications network, comprising the steps of:
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receiving registration data specific to the first party;
receiving from the second party an authentication request together with data related to the first party;
verifying that the data relates to the first party;
sending a communication to a predetermined network location known to the first party, the communication including details of a transaction specific location on the network;
receiving a response from the first party from the transaction specific location; and
confirming approval or decline of the transaction to the second party depending on the response from the first party. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16)
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15. A method for authenticating the identity of a customer in a transaction between the customer and a merchant performed over the Internet, comprising the steps of:
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receiving at an authentication manager on the network registration data specific to the customer;
receiving at the authentication manager from the merchant an authentication request together with data related to the customer;
verifying at the authentication manager that the identifying data relates to the customer;
creating a transaction unique website, the website including a form for responding to at least one question;
sending an email from the authentication manger to a predetermined email address known to the customer, the email including a hyperlink to the transaction specific website;
receiving at the authentication manager a response from the customer to the question on the transaction specific website; and
sending an approval or decline of the transaction message from the authentication manger to the merchant depending on the response from the customer.
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Specification