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System and methods for online authentication

  • US 9,860,245 B2
  • Filed: 06/29/2015
  • Issued: 01/02/2018
  • Est. Priority Date: 02/19/2009
  • Status: Active Grant
First Claim
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1. A method of authenticating a network client to a relying party computer via a computer server, the network client being configured to communicate with the relying party computer and the computer server, the network client being further configured to communicate with a token manager, the token manager being configured to communicate with a hardware token interfaced with the token manager, the method comprising the computer server:

  • receiving a transaction code from one of the token manager and the network client via a first communications channel established on a communication network, the first communications channel encrypted to be accessible only by the network client and the computer server;

    receiving a transaction request from the relying party computer via a second communications channel established on the communication network, the second communications channel encrypted to be accessible only by the relying party computer and the computer server and distinct from the first communications channel, wherein the transaction request as received comprises a transaction pointer that is associated with the hardware token;

    correlating the transaction pointer with the transaction code to identify the token manager;

    transmitting an authentication request message to one of the token manager and the network client via the first communications channel;

    receiving a credential from one of the token manager and the network client via the first communications channel; and

    transmitting an authorization signal to the relying party computer in response to the transaction request in accordance with a determination of validity of the credential and data originating from the hardware token, the authorization signal facilitating authentication of the network client to the relying party computer.

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