SYSTEM AND METHOD FOR USER IDENTITY VALIDATION FOR ONLINE TRANSACTIONS
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United States of America Patent
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app pub date -
Aug 9, 2016
filing date -
Oct 31, 2006
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Abstract
A process is proposed that collects minimal personal data of an individual who is conducting a transaction online, either directly or from a third party. The data collected is then matched to a known and validated public profile stored in public and private databases, and a set of Knowledge Based Authentication (KBA) questions are generated from the identified databases and presented to (e.g., displayed or read to via computer generated voice) the consumer for validation of the consumer's identity. Once the individual's identity has been validated, the online transaction by the person can then be authorized.
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