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Method for secure user and transaction authentication and risk management

  • US 10,785,215 B2
  • Filed: 04/09/2019
  • Issued: 09/22/2020
  • Est. Priority Date: 01/27/2010
  • Status: Active Grant
First Claim
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1. A method of authenticating a user on a network, comprising:

  • receiving, by a security server, a request of a network site to have the user authenticated;

    generating, by the security server, a one-time-password, wherein the one-time-password is generated as a function of a secret shared by the security server and the network site but not known to the user, and wherein the shared secret comprises a predetermined value agreed upon by both the security server and the network site to be used for all users utilizing the enterprise; and

    transmitting over the network, by the security server to a remotely located first network device of the user, the one-time-password for entry by the user on a second network device of the user for subsequent verification by the network site to thereby authenticate the user.

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