AUTHENTICATION TOOL
First Claim
1. A method of authenticating a user of an online system at a financial institution to an electronic funds transfer, the method comprising:
- receiving logon credentials of the user to an online banking system of a financial institution where the user has an account;
authenticating the user to the online banking system;
receiving a selection that the user desires to perform an electronic funds transfer using the user'"'"'s account;
presenting an authentication tool configured to allow a user to enter information associated with a credit/debit card associated with the user'"'"'s account at the financial institution to determine if the user is authorized to perform the electronic funds transfer;
receiving credit card information entered by the user into the authentication tool;
validating, using a computer, an identification of the user using the received credit card information; and
authenticating the user in response to the identification of the user being valid.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic funds transfer authentication system and method facilitates the verification and authentication of a user and if authenticated allows the user to perform an action in an online system, such as an electronic funds transfer. The user-entered data is validated, and then the action (e.g., electronic funds transfer) is validated using credit/debit card information. Using a unique combination of security measures and procedures, the risk associated with various types of action and fund transfers is reduced, thereby enabling a financial institution to protect its customers'"'"' accounts with a greater degree of certainty.
234 Citations
44 Claims
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1. A method of authenticating a user of an online system at a financial institution to an electronic funds transfer, the method comprising:
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receiving logon credentials of the user to an online banking system of a financial institution where the user has an account; authenticating the user to the online banking system; receiving a selection that the user desires to perform an electronic funds transfer using the user'"'"'s account; presenting an authentication tool configured to allow a user to enter information associated with a credit/debit card associated with the user'"'"'s account at the financial institution to determine if the user is authorized to perform the electronic funds transfer; receiving credit card information entered by the user into the authentication tool; validating, using a computer, an identification of the user using the received credit card information; and authenticating the user in response to the identification of the user being valid. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method of authenticating an action in an online banking system, the method comprising:
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receiving logon credentials of a user to the online banking system of a financial institution where the user has an account; authenticating the user to the online banking system; receiving a selection of an action that the user desires to perform in the online banking system; presenting an authentication tool configured to allow a user to enter credit card information of a credit/debit card associated with the user'"'"'s account to determine if the user is authorized to perform the selected action; receiving credit card information entered by the user into the authentication tool; and authenticating, using a computer, the user in response to the received credit card information being validated. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A non-transitory computer-readable medium having computer program code embodied thereon, the computer program code, when executed on a computing device, configured to perform a method for authenticating an action via an online banking system, the method comprising:
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receiving logon credentials of a user to the online banking system of a financial institution where the user has an account; authenticating the user to the online banking system; receiving a selection of an action that the user desires to perform in the online banking system; presenting an authentication tool configured to allow a user to enter credit card information of a credit/debit card associated with the user'"'"'s account to determine if the user is authorized to perform the selected action; receiving credit card information entered by the user into the authentication tool; and authenticating the user in response to the received credit card information being validated. - View Dependent Claims (25, 26, 27, 28)
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29. An apparatus for authenticating an action via an online system, the apparatus comprising:
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an input system configured to allow a user to log into the online system and initiate the action via the online system; and a processing system in communication with the input system and configured to; receive credit card information entered by the user into the authentication tool; and authenticate the user in response to the received credit card information being validated. - View Dependent Claims (30, 31, 32)
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33. A method of authenticating an action in an online banking system, the method comprising:
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receiving logon credentials of a user to the online banking system of a financial institution where the user has an account; authenticating the user to the online banking system; receiving a selection of an action that the user desires to perform in the online banking system; determining if the user is enrolled in an authentication program, whereby the authentication program comprises a first authentication tool in response to the user attempting to perform an action in an online banking system; in response to determining that the user is enrolled in the authentication program, presenting the first authentication tool; in response to determining that the user is not enrolled in the authentication program presenting a second authentication tool that is different from the first authentication tool, wherein the second authentication tool is configured to allow a user to enter credit card information of a credit/debit card associated with the user'"'"'s account to determine if the user is authorized to perform the selected action; determining, using a computer, if the user is authenticated using input received in the first authentication tool or the second authentication tool. - View Dependent Claims (34, 35, 36, 37)
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38. An apparatus for authenticating an action via an online system, the apparatus comprising:
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an input system configured to allow a user to log into the online system and initiate the action via the online system; and a processing system in communication with the input system and configured to; determine if the user is enrolled in an authentication program; in response to the user attempting to perform an action in an online banking system; present a first authentication tool in response to determining that the user is enrolled in the authentication program; and present a second authentication tool that is different from the first authentication tool in response to determining that the user is not enrolled in the authentication program, wherein the second authentication tool is configured to allow a user to enter credit card information of a credit/debit card associated with the user'"'"'s account to determine if the user is authorized to perform the selected action; and determine if the user is authenticated the user using input received in the first authentication tool or the second authentication tool; and allow the user to perform the action in response to the user being authenticated. - View Dependent Claims (39, 40, 41, 42, 43, 44)
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Specification