System and method for verifying a user's identity in electronic transactions

CAFC
  • US 8,285,648 B2
  • Filed: 09/14/2007
  • Issued: 10/09/2012
  • Est. Priority Date: 09/29/2006
  • Status: Active Grant
First Claim
Patent Images

1. A user identity verification method for verifying the identity of a user by a verifier in the course of an electronic transaction, said user identity verification method comprising the steps of:

  • (a) pre-enrolling the user, comprising the steps of;

    (a1) assigning to the user a bona fide secure identifier; and

    ,(a2) storing the bona fide secure identifier in a database that is accessible to the verifier;

    (b) pre-enrolling a user communications device, wherein pre-enrolling the user communications device comprises the steps of;

    (b1) obtaining a user access number for the user communications device, wherein the user access number can be used to open a communications link with the user communications device; and

    ,(b2) storing the user access number in a database that is accessible to the verifier;

    (c) retrieving the user access number stored at Step (b2);

    (d) opening a communications link between the verifier and the user communications device by using the user access number retrieved at Step (c);

    (e) sending an identity verification request (IVR) from the verifier to the user through the communications link opened at Step (d);

    (f) inputting by the user a putative secure identifier;

    (g) sending through the communications link opened at Step (d) a response to the IVR of Step (e);

    (h) retrieving the bona fide secure identifier stored at Step (a2);

    (i) comparing the putative secure identifier input at Step (f) with the bona fide secure identifier retrieved at Step (h); and

    ,(j) allowing the transaction to proceed only if the comparison of Step (i) results in a match between the putative secure identifier and the bona fide secure identifier.

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×