Method and system for performing two factor mutual authentication
First Claim
1. A method for performing a secure transaction over a communication network, the method comprising:
- receiving an account identifier and a one-time passcode from a user system via a communication network;
determining whether the one-time passcode is valid;
if the one-time passcode is valid, transmitting a personal assurance message to the user system via the communication network;
receiving a password from the user system via the communication network;
determining whether the password is valid; and
if the password is valid, performing a secure transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for performing a secure transaction are disclosed. A service provider system may receive an account identifier and a one-time passcode from a user system via a communication network. The service provider system may determine whether the one-time passcode is valid. If the one-time passcode is valid, the service provider system may transmit a personal assurance message to the user system via the communication network. If the personal assurance message is verified, the service provider may receive a password from the user system via the communication network and determine whether the password is valid. If the password is valid, the user system and the service provider system may then perform a secure transaction.
119 Citations
20 Claims
-
1. A method for performing a secure transaction over a communication network, the method comprising:
-
receiving an account identifier and a one-time passcode from a user system via a communication network;
determining whether the one-time passcode is valid;
if the one-time passcode is valid, transmitting a personal assurance message to the user system via the communication network;
receiving a password from the user system via the communication network;
determining whether the password is valid; and
if the password is valid, performing a secure transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A system for performing a secure transaction, the system comprising:
-
a user system;
a communication network in operable communication with the user system; and
a service provider system in operable communication with the communication network, wherein;
the user system transmits an account identifier and a one-time passcode to the service provider system via the communication network, the service provider system determines whether the one-time passcode is valid, if valid, the service provider system transmits a personal assurance message to the user system via the communication network, the user system determines whether the personal assurance message is valid, if valid, the user system transmits a password to the service provider system via the communication network, the service provider system determines whether the password is valid, and if valid, the user system and the service provider system perform a transaction via the communication network. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
-
Specification