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System and method for user confirmation of online transactions

  • US 10,762,181 B2
  • Filed: 03/18/2014
  • Issued: 09/01/2020
  • Est. Priority Date: 03/22/2013
  • Status: Active Grant
First Claim
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1. A method for remote user confirmation of online transaction with a relying party, the method comprising:

  • detecting, via a secure transaction server of the relying party, a transaction between a first user and the relying party triggered by the first user of a first client device over a network, and performing one or more authentication techniques, via authentication engine circuitry on the first client device, to authenticate the first user to the relying party over the network;

    identifying, via database querying circuitry, one or more other users who are required to confirm the transaction before allowing the transaction to be performed, the one or more other users previously registered with the relying party as approvers for the first user and are users other than the first user;

    transmitting notifications, via notification generation logic circuitry, to the one or more other users or a subset thereof indicating that a transaction has been triggered by the first user, the notifications comprising a link which, upon selection by the one or more other users or subset thereof, provides details of the transaction being attempted by the first user;

    the one or more other users or subset thereof confirming the transaction by performing remote authentication via secure transaction program code executed on a respective remote client device of the one or more other users or subset thereof with the relying party over the network, wherein the secure transaction program code executed on the respective remote client device of the one or more other users or subset thereof is to generate and transmit a token to the relying party responsive to a successful authentication, the token comprising a signature over the transaction details and a nonce provided by the relying party; and

    permitting the transaction between the first user and the relying party responsive to receiving the token from the remote client device of each of the one or more other users or subset thereof.

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