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Methods and systems for authenticating users over networks

  • US 8,868,921 B2
  • Filed: 07/20/2011
  • Issued: 10/21/2014
  • Est. Priority Date: 07/20/2011
  • Status: Active Grant
First Claim
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1. A method for authenticating users comprising:

  • requesting a one-time password and determining a time the request was made;

    comparing the request time against a previous request time;

    when the request time is after the previous request time, entering a personal identification number into a communications device, the personal identification number being transmitted during an enrollment process from the device to an authentication system for storage therein;

    retrieving, by the communications device, a shared secret stored therein;

    generating a hashed personal identification number from the personal identification number;

    generating a modified shared secret; and

    generating a one-time password with the modified shared secret and the request time.

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