SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY
First Claim
1. A method of providing authentication verification for a message, the method comprising:
- providing a unique link, the link to be sent with a message to a user of an account;
selecting, using a processor operatively coupled to a memory, at least one transaction from a plurality of transactions of the account, the account being substantially private to the user; and
presenting a resource in response to a selection of the link, the resource corresponding to the selected at least one transaction, thereby enabling the user to verify the authenticity of the message.
1 Assignment
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Accused Products
Abstract
Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user'"'"'s credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
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Citations
20 Claims
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1. A method of providing authentication verification for a message, the method comprising:
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providing a unique link, the link to be sent with a message to a user of an account; selecting, using a processor operatively coupled to a memory, at least one transaction from a plurality of transactions of the account, the account being substantially private to the user; and presenting a resource in response to a selection of the link, the resource corresponding to the selected at least one transaction, thereby enabling the user to verify the authenticity of the message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method of providing authentication verification for a message, the method comprising:
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selecting, using a computer processor operatively coupled to a memory, a subset of transactions from a payment card account of a user; providing a uniform resource locator (URL) link to an authentication verification page; and displaying on the authentication verification page details of the at least one transaction in response to a request to access the URL through the link, thereby enabling a user to verify the authenticity of a message with which the URL link is sent.
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20. A method of authenticating a message from a sender, the method comprising:
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receiving a message with a link; selecting, using a processor operatively coupled to a memory, the link; receiving a verification page in response to the selecting the link, the verification page having details of at least one transaction of an account of a user, the account being substantially private to the user; and checking the details of the at least one transaction, thereby confirming that the message is from an authentic sender.
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Specification