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System and method for accomplishing two-factor user authentication using the internet

  • US 7,516,483 B2
  • Filed: 02/26/2007
  • Issued: 04/07/2009
  • Est. Priority Date: 08/24/2001
  • Status: Expired due to Term
First Claim
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1. A method of implementing token-based electronic security across multiple secure web sites, in which a user has a security token, wherein the security token authenticates its user based on a first authentication factor, comprising:

  • storing unique token identification information, and a seed value of each security token, in a security system on a token authenticating web site;

    requiring the user, upon login to a secure web site, to enter at least a token code generated by the user'"'"'s security token and data corresponding to a second authentication factor different from the first authentication factor;

    authenticating the user based on the second authentication factor using the secure web site;

    passing the user'"'"'s token code from the secure web site to the security system on the token authenticating web site if the authenticating is successful;

    verifying whether or not the user'"'"'s token code was generated by the user'"'"'s token using the security system on the token authenticating web site; and

    passing a result of the verifying from the token authenticating web site, to the secure web site, to authorize access to services provided by the secure web site.

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