Centralized identification and authentication system and method

  • US 8,266,432 B2
  • Filed: 09/15/2008
  • Issued: 09/11/2012
  • Est. Priority Date: 08/29/2001
  • Status: Expired due to Fees
First Claim
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1. A method for authenticating a user during an electronic transaction between the user and an external-entity, the method comprising:

  • receiving electronically a request for a dynamic code for the user by a computer associated with a central-entity during the transaction between the user and the external-entity;

    generating by the central-entity during the transaction a dynamic code for the user in response to the request, wherein the dynamic code is valid for a predefined time and becomes invalid after being used;

    providing by the computer associated with the central-entity said generated dynamic code to the user during the transaction;

    receiving electronically by the central-entity a request for authenticating the user from a computer associated with the external-entity based on a user-specific information and the dynamic code as a digital identity included in the request which said dynamic code was received by the user during the transaction and was provided to the external-entity by the user during the transaction; and

    authenticating by the central-entity the user and providing a result of the authenticating to the external-entity during the transaction if the digital identity is valid.

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