System and method for authentication of network users

  • US 6,496,936 B1
  • Filed: 06/16/2000
  • Issued: 12/17/2002
  • Est. Priority Date: 05/21/1998
  • Status: Expired due to Term
First Claim
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1. A method of controlling access to an online-provided service hosted on a host system, comprising:

  • (a) first querying a user, who is operating a user system, about a first type of information;

    (b) determining the extent to which the user correctly answers the first query;

    (c) if the user sufficiently correctly answers the first query, second querying the user utilizing credit related information about the user wherein credit related information;

    (i) is stored on a credit reporting system other than the user system or the host system; and

    (ii) originates from a plurality of the user'"'"'s creditors who report to the credit reporting system credit related information about the user;

    (d) in real time, determining the extent to which the user correctly answers the second query; and

    (e) in real time and on-line, determining whether to grant or deny the user access to the on-line provided service based at least part on the extent to which the user correctly answers the second query.

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