COMPUTERIZED AUTHORIZATION SYSTEM AND METHOD

• US 20130254851A1
• Filed: 03/21/2012
• Published: 09/26/2013
• Est. Priority Date: 03/21/2012
• Status: Active Grant

• Current Assignee: Arctran Holdings Limited
• Original Assignee: Gary Martin Shannon
• Inventors: SHANNON, Gary MARTIN
• Granted Patent: US 8,800,004 B2
• Time in Patent Office: Days
• US Class Current: 726/4
• CPC Class Codes: G06F 21/30 Authentication, i.e. establishing the identity or authorisation of security principals
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04M 1/725 Cordless telephones user interfaces specially adapted therefor H04M1/724

Abstract

A computerized authorization system configured to authorize electronically-made requests to an electronic entity. The computerized authorization system comprises a store configured to store an indication of at least one predetermined electronic authorization device configured to authorize each electronically-made request. The computerized authorization system is further configured such that: in response to receiving an electronically-made request to the electronic entity, an indication of the request is output to the at least one predetermined electronic authorization device configured to authorize the request as indicated in the store; and in response to receiving an indication of authorization from the at least one predetermined electronic authorization device, an indication of authorization of the request is output to the electronic entity.

Claims

1. A computerized authorization system configured to authorize electronically-made requests to an electronic entity, the computerized authorization system comprising:

a store configured to store an indication of at least one predetermined electronic authorization device configured to authorize an electronically-made request to an electronic entity;

the computerized authorization system being further configured such that;

in response to receiving the electronically-made request to the electronic entity, an indication of the electronically-made request to the electronic entity is output to the at least one predetermined electronic authorization device configured to authorize the electronically-made request to the electronic entity as indicated in the store; and

in response to receiving an indication of authorization from the at least one predetermined electronic authorization device, an indication of authorization of the electronically-made request to the electronic entity is output to the electronic entity.

2. A computerized authorization system according to claim 1, further configured such that if the indication of authorization of the electronically-made request to the electronic entity is not received from the at least one predetermined electronic authorization device within a predetermined time an indication that the electronically-made request to the electronic entity is rejected is sent to the electronic entity.

3. A computerized authorization system according to claim 1, further configured to receive an indication that the electronically-made request to the electronic entity is fraudulent from the at least one predetermined electronic authorization device.

4. A computerized authorization system according to claim 3, further configured such that, in response to receiving the indication that the electronically-made request to the electronic entity is fraudulent from the at least one predetermined electronic authorization device, an identity request is made to identify an electronic device that made the electronically-made request to the electronic entity and/or a user of the electronic device that made the electronically-made request to the electronic entity.

5. A computerized authorization system according to claim 4, wherein the identity request comprises a signal being sent to the electronic device that made the electronically-made request to the electronic entity, to capture an image of the user of the electronic device that made the electronically-made request to the electronic entity.

6. A computerized authorization system according to claim 1, wherein the at least one predetermined electronic authorization device is a different device to an electronic device that made the electronically-made request to the electronic entity.

7. A computerized authorization system according to claim 1, wherein the at least one predetermined electronic authorization device comprises a plurality of predetermined electronic authorization devices configured to send the indication of the electronically-made request to the electronic entity to the plurality of predetermined electronic authorization devices configured to authorize the electronically-made request to the electronic entity.

8. A computerized authorization system according to claim 7, wherein the indication of authorization of the electronically-made request to the electronic entity is sent to the electronic entity in response to receiving an indication of the authorization from a predetermined number of the plurality of predetermined electronic authorization devices.

9. A computerized authorization system according to claim 8, wherein the store is configured to store the predetermined number.

10. A computerized authorization system according to claim 1, further configured to automatically send the indication of authorization of the electronically-made request to the electronic entity if at least one predetermined criteria are met.

11. A computerized authorization system according to claim 10, wherein the store is configured to store the at least one predetermined criteria.

12. A computerized authorization system according to claim 11, wherein the at least one predetermined criteria are set by the at least one predetermined electronic authorization device.

13. A computerized authorization system according to claim 12, comprising a plurality of computers and/or servers on a network.

14. A computerized authorization method, the computerized authorization method comprising:

in response to receiving an electronically-made request to an electronic entity, sending an indication of the electronically-made request to the electronic entity to at least one predetermined electronic authorization device as indicated in a store; and

in response to receiving an indication of authorization from the at least one predetermined electronic authorization device as indicated in the store, sending an indication of authorization of the electronically-made request to the electronic entity to the electronic entity.

15. A computerized authorization method according to claim 14, further comprising:

sending an indication that the electronically-made request to the electronic entity is rejected to the electronic entity if an indication of authorization of the electronically-made request to the electronic entity is not received from the at least one predetermined electronic authorization device within a predetermined time.

16. A computerized authorization method according to claim 14, further comprising receiving an indication that the electronically-made request to the electronic entity is fraudulent from the at least one predetermined electronic authorization device.

17. A computerized authorization method according to claim 16, further comprising:

in response to receiving the indication that the electronically-made request to the electronic entity is fraudulent from the at least one predetermined electronic authorization device, making an identity request to identify an electronic device that made the electronically-made request to the electronic entity and/or a user of the electronic device that made the electronically-made request to the electronic entity.

18. A computerized authorization method according to claim 17, wherein the identity request comprises sending a signal to the electronic device that made the electronically-made request to the electronic entity, to capture an image of the user of the electronic device that made the electronically-made request to the electronic entity.

19. A computerized authorization method according to claim 14, wherein the at least one predetermined electronic authorization device is a different device to an electronic device that made the electronically-made request to the electronic entity.

20. A computerized authorization method according to claim 14, wherein sending an indication of the electronically-made request to the electronic entity to at least one predetermined electronic authorization device comprises sending the indication of the electronically-made request to the electronic entity to a plurality of predetermined electronic authorization devices, wherein the plurality of predetermined electronic authorization devices are configured to authorize the electronically-made request to the electronic entity.

21. A computerized authorization method according to claim 20, wherein sending an indication of authorization of the electronically-made request to the electronic entity comprises sending the indication of authorization of the electronically-made request to the electronic entity to the electronic entity in response to receiving an indication of authorization from a predetermined number of the plurality of predetermined electronic authorization devices.

22. A computerized authorization method according to claim 21, comprising storing the predetermined number in the store.

23. A computerized authorization method according to claim 14, further comprising automatically sending an indication of authorization of the electronically-made request to the electronic entity to the electronic entity if at least one predetermined criteria are met.

24. A computerized authorization method according to claim 23, further comprising storing the at least one predetermined criteria in the store.

25. A computerized authorization method according to claim 24, further comprising the at least one predetermined electronic authorization device setting the at least one predetermined criteria.

26. A computerized authorization method according to claim 14,

wherein

sending an indication of the electronically-made request to the electronic entity to at least one predetermined electronic authorization device as indicated in a store in response to receiving an electronically-made request to an electronic entity;

and

sending an indication of authorization of the electronically-made request to the electronic entity to the electronic entity in response to receiving an indication of authorization from the at least one predetermined electronic authorization device as indicated in the store

is carried out by a plurality of computers and/or servers on a network.

27. An electronic authorization device, the electronic authorization device comprising:

an input to receive, from a computerized authorization system, an indication of an electronically-made request to an electronic entity from a different electronic device;

a user interface configured to indicate the indication of the electronically-made request to the electronic entity and to allow a user to authorize the electronically-made request to the electronic entity; and

an output to output an indication of authorization of the electronically-made request to the electronic entity to the computerized authorization system;

the electronic authorization device being configured such that;

in response to receiving the indication of the electronically-made request to the electronic entity at the input, the user interface indicates the indication of the electronically-made request to the electronic entity; and

in response to the user authorizing the electronically-made request to the electronic entity, outputting from the output the indication of authorization of the electronically-made request to the electronic entity to the computerized authorization system.

28. A computer-readable medium containing a set of instructions to cause a computer to perform a method comprising:

in response to receiving an electronically-made request to an electronic entity, sending an indication of the electronically-made request to the electronic entity to at least one predetermined electronic authorization device as indicated in a store; and

in response to receiving an indication of authorization from the at least one predetermined electronic authorization device as indicated in the store, sending an indication of authorization of the electronically-made request to the electronic entity to the electronic entity.