USER AUTHENTICATION AND SECURE TRANSACTION SYSTEM

  • US 20120221470A1
  • Filed: 05/04/2012
  • Published: 08/30/2012
  • Est. Priority Date: 03/17/2005
  • Status: Abandoned Application
First Claim
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1. A method for providing a user identity authentication system, comprising:

  • receiving a request from an individual to create a user-configurable profile in a database;

    creating the user-configurable profile, the user-configurable profile comprising data fields for storing user identity data in the data fields;

    receiving the user identity data from the individual;

    storing the user identity data received from the individual in the user-configurable profile;

    receiving a designation, from the individual, identifying at least some of the user identity data as verification data, the verification data used, as a minimum, to authenticate the individual in future transactions between the individual and merchants;

    receiving an authentication request from a first merchant to authenticate the individual during a transaction between the individual and the first merchant, the authentication request comprising information provided by the individual to the merchant; and

    authenticating the individual at least by comparing the information in the authentication request from the first merchant to the verification data stored in the user-configurable profile.

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