Method for secure user and transaction authentication and risk management
First Claim
Patent Images
1. A method of providing a user signature on a network transaction, comprising:
- receiving, by a security server directly from a network site, transaction information representing a transaction between a network user and a network site;
calculating, by the security server, a one-time-password based on (i) the received transaction information and (ii) a secret shared by the security server and the network site, but not by the user, wherein the one-time-password is independently calculable by the network site based on the shared secret and the transaction information; and
transmitting, by the security server, the calculated one-time-password for application as the user'"'"'s signature on the transaction and verification by the network site,wherein the calculated one-time-password is transmitted, by the security server to a user network device for presentation on a window displayed by the user network device and entry by the user onto a network page associated with the network site and displayed on another user network device.
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Abstract
To provide a user signature on a network transaction, a security server receives transaction information representing a transaction between a network user and a network site, such as a website, directly from the network site. The security server calculates a one-time-password based on the received transaction information and a secret shared by the security server and the network site, but not by the user. The security server transmits the calculated one-time-password for application as the user'"'"'s signature on the transaction. The one-time-password is independently calculable by the network site based on the shared secret.
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Citations
10 Claims
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1. A method of providing a user signature on a network transaction, comprising:
- receiving, by a security server directly from a network site, transaction information representing a transaction between a network user and a network site;
calculating, by the security server, a one-time-password based on (i) the received transaction information and (ii) a secret shared by the security server and the network site, but not by the user, wherein the one-time-password is independently calculable by the network site based on the shared secret and the transaction information; and
transmitting, by the security server, the calculated one-time-password for application as the user'"'"'s signature on the transaction and verification by the network site,wherein the calculated one-time-password is transmitted, by the security server to a user network device for presentation on a window displayed by the user network device and entry by the user onto a network page associated with the network site and displayed on another user network device. - View Dependent Claims (2, 3, 4, 5, 6)
- receiving, by a security server directly from a network site, transaction information representing a transaction between a network user and a network site;
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7. A method of validating a user signature on a network transaction, comprising:
- receiving, by a network site from a user network device, transaction information representing a transaction between a user and the network site;
transmitting, by the network site directly to a security server, the transaction information;
receiving, by the network site from the user network device, a one-time-password as the user'"'"'s signature on the transaction;
calculating, by the network site, a one-time-password based on (i) the received transaction information and (ii) a secret shared by a security server and the network site, but not by the user;transmitting, by the security server, the calculated one-time-password to a user network device for presentation on a window displayed by the user network device and entry by the user onto a network page associated with the network site and displayed on another user network device; and verifying, by the network site, the signature based on a comparison of the received one-time-password and the calculated one-time-password. - View Dependent Claims (8)
- receiving, by a network site from a user network device, transaction information representing a transaction between a user and the network site;
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9. A method of authenticating a user on a network, comprising:
- transmitting, by a network site directly to a security server, a request to have a user authenticated;
receiving, by the network site from a network device of the user, a one-time-password;
calculating, by the network site, a one-time-password based on a secret shared by the security server and the network site, but not by the user;transmitting, by the security server, the calculated one-time-password to a user network device for presentation on a window displayed by the user network device and entry by the user onto a network page associated with the network site and displayed on another user network device; and comparing, by the network site, the received one-time-password and the calculated one-time-password to authenticate the user. - View Dependent Claims (10)
- transmitting, by a network site directly to a security server, a request to have a user authenticated;
Specification