Secure identity authentication in an electronic transaction
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United States of America Patent
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Aug 9, 2016
Issued Date -
N/A
app pub date -
Jan 15, 2015
filing date -
Jan 15, 2015
priority date (Note) -
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status (Latency Note)
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Abstract
An approach is provided for securely authenticating an identity of a user participating in an electronic transaction. A request is received from a mobile device to initiate the electronic transaction. Attributes of the user and request are received. A request is selected for a biometric identifier or a security question to authenticate the identity of the user. The request for the biometric identifier or security question is converted to a complete Quick Response (QR) code. Based on the user and request attributes, the complete QR code is disassembled into first and second portions by employing a disassembly algorithm. The first portion, but not the second portion, is sent to the mobile device, which prevents an entity other than the user and the enterprise from obtaining the request for the biometric identifier or security question by capturing network traffic that includes the electronic transaction.
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