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Dual code authentication system

  • US 8,973,109 B2
  • Filed: 11/29/2012
  • Issued: 03/03/2015
  • Est. Priority Date: 11/29/2011
  • Status: Active Grant
First Claim
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1. A method for verifying a user who is using a computing device to interact with a remote system, the method performed by a processor executing instructions stored in a memory, the method comprising:

  • receiving, from a user via an application program, a request submitted via a computing device to access a remote system;

    performing a first stage of a user verification, wherein the first stage of the user verification includes;

    transmitting a first verification code and a communication address to the user at the computing device via the application program;

    receiving a text message via a communication channel established by the user using the communication address, wherein the text message includes at least a second verification code; and

    comparing the first verification code and the second verification code; and

    when the first verification code matches the second verification code, performing a second stage of the user verification, wherein the second stage of the user verification includes;

    deriving an electronic address associated with the user from a mobile device from which the text message is received;

    transmitting a third verification code via a communication channel established using the electronic address associated with the user;

    receiving, from the user, a fourth verification code submitted via the computing device; and

    comparing the third verification code and the fourth verification code; and

    verifying the user when the third verification code matches the fourth verification code.

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