MULTIPLE PARTY BENEFIT FROM AN ONLINE AUTHENTICATION
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Accused Products
Abstract
An account authentication service where a trusted party verifies an account holder'"'"'s identity for the benefit of a requestor during an online transaction. The account authentication involves requesting a password from the account holder, verifying the password, and notifying the requestor whether the account holder'"'"'s authenticity has been verified. An alternative embodiment of the account authentication service includes a value-adding component where information about a customer is shared with a value-adding party. The customer information is rich in detail about the customer since it is collected by each of the parties in the account authentication process. The value-adding party can then use this information in various manners. All of the parties involved can benefit from sharing the customer information. The value-adding party can be, for example, a merchant, a shipper, a security organization, or a governmental organization. A transaction identifier identifies a specific transaction between a customer, a merchant, and the customer information.
224 Citations
71 Claims
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1-51. -51. (canceled)
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52. An access control computer comprising:
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a processor; and a non-transitory computer readable medium, the non-transitory computer readable medium configured to implement a method comprising; receiving an online authentication request message from a requesting party to authenticate the identity of a presenter, the online authentication request message being routed via a computing device of the presenter; receiving an identity-authenticating token and presenter information collected from the computing device of the presenter; comparing the identity-authenticating token against a token previously designated for the presenter during the online transaction; authenticating the presenter when the identity-authenticating token matches the token previously designated for the presenter; and sending an online authentication response message to the requesting party via the computing device of the presenter during the online transaction, the online authentication response message notifying the requesting party that the presenter is authenticated for providing the authenticated presenter information to a value-adding party. - View Dependent Claims (53, 54, 55, 56)
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57. A computer-implemented method of providing authenticated presenter information to a value-adding party for an online transaction between a presenter and a requesting party, the method comprising:
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receiving, by an access control computer of a trusted party, an online authentication request message from the requesting party to authenticate the identity of the presenter, the online authentication request message being routed via a computing device of the presenter; receiving, by the access control computer, an identity-authenticating token and presenter information collected from the computing device of the presenter; comparing, by the access control computer, the identity-authenticating token against a token previously designated for the presenter during the online transaction; authenticating, by the access control computer, the presenter when the identity-authenticating token matches the token previously designated for the presenter; and sending, by the access control computer, an online authentication response message to the requesting party via the computing device of the presenter during the online transaction, the online authentication response message notifying the requesting party that the presenter is authenticated for providing the authenticated presenter information to the value-adding party. - View Dependent Claims (58, 59, 60, 61)
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62. A requesting party computer comprising:
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a processor; and a non-transitory computer readable medium, the non-transitory computer readable medium configured to implement a method comprising; collecting presenter information pertaining to the presenter from a computing device of the presenter during the course of the online transaction; sending an online authentication request message to an access control computer of a trusted party to authenticate the identity of the presenter, the online authentication request message being routed via a computing device of the presenter, wherein the access control computer compares an identity-authenticating token from the presenter against a token previously designated for the presenter; receiving an online authentication response message from the access control computer via the computing device of the presenter during the online transaction, the online authentication response message notifying the requesting party that the presenter is authenticated; and sending the authenticated presenter information to the value-adding party. - View Dependent Claims (63, 64, 65, 66)
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67. A computer-implemented method of providing authenticated presenter information to a value-adding party for an online transaction between a presenter and a requesting party, the method comprising:
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collecting, by the requesting party, presenter information pertaining to the presenter from a computing device of the presenter during the course of the online transaction; sending, by the requesting party, an online authentication request message to an access control computer of a trusted party to authenticate the identity of the presenter, the online authentication request message being routed via a computing device of the presenter, wherein the access control computer compares an identity-authenticating token from the presenter against a token previously designated for the presenter; receiving, by the requesting party, an online authentication response message from the access control computer via the computing device of the presenter during the online transaction, the online authentication response message notifying the requesting party that the presenter is authenticated; and sending, by the requesting party, the authenticated presenter information to the value-adding party. - View Dependent Claims (68, 69, 70, 71)
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Specification