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SYSTEMS AND METHODS FOR AUTHENTICATING AN ELECTRONIC TRANSACTION

  • US 20130019098A1
  • Filed: 09/14/2012
  • Published: 01/17/2013
  • Est. Priority Date: 10/27/2009
  • Status: Active Grant
First Claim
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1. A method for authenticating an electronic request between a client computer and a transaction server, the method comprising:

  • (A) receiving, at a suitably programmed application server, an electronic application request for an application from the client computer, wherein the electronic request comprises an identity of a user originating the electronic request;

    (B) constructing, using the suitably programmed application server and responsive to the receiving (A), a signing key as a first function of a first plurality of parameters, wherein the plurality of parameters comprises (i) an identity of a user originating the electronic request for the application, (ii) a first time based salt value, and (iii) a secret that is shared between the suitably programmed application server and the transaction server; and

    (C) embedding the signing key in an unbranded version of the application thereby forming a branded version of the application, wherein the branded version of the application is configured to (i) sign a request with the signing key thereby forming a signed request, and (ii) submit the signed request to the transaction server with the identity of the user and the identifier that identifies the distributor or developer of the application.

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