Method and system for personalized online security

  • US 8,082,213 B2
  • Filed: 06/27/2006
  • Issued: 12/20/2011
  • Est. Priority Date: 06/27/2005
  • Status: Active Grant
First Claim
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1. A user-authentication service implemented as routines that execute one or more computer systems interconnected by two or more communications media with both an authentication-service client, and a user, the user-authentication service comprising:

  • the one or more computer systems;

    stored user-authentication policies specified by the user;

    stored user information;

    account interface routines that implement an account interface by which the user specifies, modifies, adds, and deletes user-authentication policies; and

    authentication-interface routines that implement an authentication interface by which, following initiation of a transaction by the user with the authentication-service client, the authentication-service client submits an authentication request, through the first communications medium or through a second communications medium, to authenticate the user, the authentication-interface routines employing a variable-factor authentication, when specified to do so by stored user-authentication policies, to authenticate the user on behalf of the authentication-service client during which the user communicates with the user-authentication service through a third communications medium different from the first and second communications media and a user device different from that employed by the user to initiate the transaction with the authentication-service client.

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