SYSTEM AND METHOD FOR DATA AND IDENTITY VERFICATION AND AUTHENTICATION
First Claim
1. A computer-based method of identity authentication for a transaction, comprising:
- receiving, using a processor or microprocessor in a computing device, a request from a user to generate a transaction token for use in a transaction;
generating, using a processor or microprocessor, the transaction token;
displaying the transaction token to the user;
receiving a request to verify a transaction from a remote verification system;
prompting the user to input a personal identification number or code to confirm the transaction; and
sending the personal identification number or code to the remote verification system to confirm the transaction.
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Accused Products
Abstract
A system for verifying and authenticating the identity of a user in a transaction. The user'"'"'s identity is authenticated through the user'"'"'s computer, tablet computer, mobile computing device, web browser (as a web-page, or as a plug-in for the browser), or other computing device by means of a single-use, time sensitive, system-generated transaction token and user selected system PIN. The user presents the transaction token to the vendor or merchant, which forwards a request for authentication to the system. The system prompts the user to confirm the transaction and enter the PIN into the device used to generate the transaction token. Upon confirmation, the transaction is completed.
40 Citations
19 Claims
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1. A computer-based method of identity authentication for a transaction, comprising:
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receiving, using a processor or microprocessor in a computing device, a request from a user to generate a transaction token for use in a transaction; generating, using a processor or microprocessor, the transaction token; displaying the transaction token to the user; receiving a request to verify a transaction from a remote verification system; prompting the user to input a personal identification number or code to confirm the transaction; and sending the personal identification number or code to the remote verification system to confirm the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-based method of identity authentication for a transaction, comprising:
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receiving, using a processor or microprocessor, a request to authorize a transaction between a merchant or vendor and an individual, said request comprising transaction data and a single-use, time-sensitive transaction token; processing the transaction token to determine the identity of the individual; sending, using a processor or microprocessor, a request to a computing device of the individual to prompt the individual to authorize the transaction, wherein the computing device is the computing device used to generate the transaction token; receiving from the computing device of the individual an affirmation to proceed with the transaction and a personal identification number or code; and verifying that the personal identification number or code is correct. - View Dependent Claims (15, 16, 17, 18, 19)
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Specification