US Patent No: 7,392,388

Number of patents in Portfolio can not be more than 2000

Systems and methods for identity verification for secure transactions

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Secure identification of a user in an electronic communications environment, wherein a host computer communicates with a plurality of electronic devices operated by the user. The user is issued a user code, known only to the user and stored in the host computer. User identification involves the host computer generating a pseudo-random security string and applying the user code to the pseudo-random security string to generate a transaction code. The host computer also transmits the pseudo-random security string to one of the electronic devices which displays the pseudo-random security string to the user. The user generates the transaction code by applying their known user code to the displayed pseudo-random security string. The user enerated transaction code is entered into an electronic device, then transmitted back to the host computer. Positive identification is achieved when the host computer determined transaction code matches the user generated transaction code.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
SWIVEL SECURE LIMITEDNORTH YORKSHIRE2
SWIVEL TECHNOLOGIES LIMITEDNORTH YORKSHIRE, GB1

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Keech, Winston Donald Little Beck, GB 8 199

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (12)
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* 5,646,998 Secure transaction system and method utilized therein 86 1995
* 5,793,302 Method for securing information relevant to a transaction 90 1996
* 5,936,541 Method for securing information relevant to a transaction 106 1997
6,078,908 Method for authorizing in data transmission systems 113 1998
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UNITED PARCEL SERVICE OF AMERICA, INC. (1)
* 6,285,916 Multi-stage parcel tracking system 187 1997
 
Software Control Systems, Inc. (1)
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FIRST VIRTUAL HOLDINGS (1)
* 5,757,917 Computerized payment system for purchasing goods and services on the internet 810 1995
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
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BELL CANADA (1)
* 6,687,350 Smart card reader and transaction system 17 1998
 
ORACLE INTERNATIONAL CORPORATION (1)
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GOOGLE TECHNOLOGY HOLDINGS LLC (1)
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NXP B.V. (1)
* 6,185,682 Authentication system 51 1998
 
CALLAHAN CELLULAR L.L.C. (3)
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SECURTIY DYNAMICS TECHNOLOGIES, INC. (1)
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Intellect Australia Pty Ltd. (2)
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RENESAS ELECTRONICS CORPORATION (1)
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SECURE INFORMATIOON TECHNOLOGIES, LLC (1)
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ENTERPRISE SYSTEMS, INC. (1)
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CITICORP CREDIT SERVICES, INC. (1)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
* 5,196,840 Secure communications system for remotely located computers 104 1990
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SWIVEL SECURE LIMITED (1)
* 7,043,635 Embedded synchronous random disposable code identification method and system 8 2000
 
HEWLETT-PACKARD COMPANY (1)
* 5,324,922 Apparatus and method for managing transactions 229 1993
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
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LUCENT TECHNOLOGIES INC. (2)
5,754,652 Method and apparatus for secure pin entry 30 1994
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SYMBOL TECHNOLOGIES, INC. (1)
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INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 287 1998
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
* 5,606,614 Personal identification systems 41 1996
 
EMC CORPORATION (2)
* 5,367,572 Method and apparatus for personal identification 100 1992
6,189,098 Client/server protocol for proving authenticity 297 2000
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
6,343,284 Method and system for billing on the internet 60 1998
 
Freeman; Albert J. (1)
* 5,661,284 Commercial transaction system 14 1995
 
CASIO COMPUTER CO., LTD. (1)
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DynamicServe, Ltd. (1)
* 5,163,097 Method and apparatus for providing secure access to a limited access system 76 1991
 
DIALWARE INC. (1)
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MCI COMMUNICATIONS CORPORATION, TECHNOLOGY DEPT. (1)
* 5,988,497 Method for authenticating credit transactions to prevent fraudulent charges 159 1996
 
NCR CORPORATION (4)
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HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (1)
* 6,216,183 Apparatus and method for securing information entered upon an input device coupled to a universal serial bus 38 1998
 
Securities Dynamics Technologies, Inc. (2)
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BRIDGEPOINT SYSTEMS, INC. (1)
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SILICON VALLEY BANK (1)
* 6,484,260 Personal identification system 175 1998
 
NOKIA TECHNOLOGIES OY (1)
* 6,816,974 Method and arrangement for limiting the use of a display device 7 1999
 
The Exchange System Limited Partnership (1)
* 5,016,277 Encryption key entry method in a microcomputer-based encryption system 27 1988
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
* 6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 599 1997
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WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
* 6,163,771 Method and device for generating a single-use financial account number 284 1997
 
TRIO SECURITY, INC. (1)
* 6,732,278 Apparatus and method for authenticating access to a network resource 113 2001
 
Security Dynamics Technologies, Inc. (9)
* 4,720,860 Method and apparatus for positively identifying an individual 283 1984
* 4,885,778 Method and apparatus for synchronizing generation of separate, free running, time dependent equipment 157 1985
* 4,998,279 Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics 193 1989
* 5,023,908 Method and apparatus for personal identification 134 1989
* 5,058,161 Method and apparatus for secure identification and verification 64 1989
* 5,168,520 Method and apparatus for personal identification 268 1991
* 5,361,062 Personal security system 271 1992
* 5,657,388 Method and apparatus for utilizing a token for resource access 336 1994
* 5,479,512 Method and apparatus for performing concryption 207 1994
 
TELEFONAKTIEBOLAGET L M ERICSSON (PUBL) (2)
* 5,668,876 User authentication method and apparatus 206 1994
5,724,423 Method and apparatus for user authentication 98 1995
 
HBO & COMPANY OF GEORGIA (1)
* 5,611,051 Point of supply use distribution process and apparatus 131 1995
 
Wesco Software Limited (1)
* 5,655,020 Authenticating the identity of an authorized person 9 1994
 
NEXT ACCESS TECHNOLOGIES, LLC (1)
* 5,428,349 Nondisclosing password entry system 55 1992
 
SECURA-CODE CORPORATION (1)
* 5,239,583 Method and apparatus for improved security using access codes 87 1991
 
KRYPTOSINA (1)
* 6,834,271 Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet 37 1999
 
AT&T CORP. (2)
* 5,778,173 Mechanism for enabling secure electronic transactions on the open internet 137 1996
* 5,971,272 Secured personal identification number 28 1997
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (4)
* 2008/0065,554 METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK 5 2007
* 2012/0173,411 MANAGEMENT METHOD OF ARTICLE 0 2009
* 2011/0119,190 ANONYMOUS TRANSACTION PAYMENT SYSTEMS AND METHODS 0 2010
* 2013/0147,626 Electronic Mailbox System 1 2013
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
* 8,589,698 Integrity service using regenerated trust integrity gather program 0 2009
* 2010/0293,373 INTEGRITY SERVICE USING REGENERATED TRUST INTEGRITY GATHER PROGRAM 3 2009
 
Silver Tail Systems (2)
* 2010/0235,909 System and Method for Detection of a Change in Behavior in the Use of a Website Through Vector Velocity Analysis 2 2009
* 2010/0235,908 System and Method for Detection of a Change in Behavior in the Use of a Website Through Vector Analysis 2 2009
 
Medium Access Systems Private Ltd. (1)
8,732,807 Method and system using a cyber ID to provide secure transactions 0 2012
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (6)
8,532,021 Data communications over voice channel with mobile consumer communications devices 0 2007
8,249,965 Member-supported mobile payment system 16 2007
* 2007/0255,653 Mobile Person-to-Person Payment System 189 2007
* 2007/0255,662 Authenticating Wireless Person-to-Person Money Transfers 165 2007
* 2007/0233,615 Member-Supported Mobile Payment System 96 2007
* 2009/0287,601 Network-Based Viral Payment System 13 2009
 
Intertrust Technologies Corporation (1)
* 8,220,036 Establishing a secure channel with a human user 0 2006
 
VERIFONE, INC. (2)
* 2011/0231,270 PAYMENT SYSTEMS AND METHODOLOGIES 8 2011
9,053,478 Mobile commerce system 0 2012
 
CREATIVE ON-LINE TECHNOLOGIES LIMITED (1)
* 2005/0246,293 Electronic transfer system 13 2005
 
OBOPAY, INC. (1)
* 2007/0255,620 Transacting Mobile Person-to-Person Payments 128 2007
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
8,762,283 Multiple party benefit from an online authentication service 0 2004
* 2005/0246,278 Multiple party benefit from an online authentication service 61 2004
 
BANCO BRADESCO S.A. (1)
* 2007/0074,271 SYSTEM FOR IDENTIFYING A PASSWORD FOR A USER TO ELECTRONICALLY ACCESS AN INSTITUTION 1 2006
 
NEXT ACCESS TECHNOLOGIES, LLC (1)
* 2009/0037,986 Non-disclosing password entry method 20 2008
 
MASTERCARD INTERNATIONAL INCORPORATED (3)
* 2002/0007,320 Method and system for secure payments over a computer network 74 2001
* 2010/0228,668 Method and System for Conducting a Transaction Using a Proximity Device and an Identifier 6 2009
* 2010/0223,186 Method and System for Conducting Secure Payments 4 2009
 
FIRST DATA CORPORATION (1)
* 2013/0097,034 Systems and Methods for Facilitating Point of Sale Transactions 5 2012
 
III HOLDINGS 1, LLC (5)
* 7,689,007 Methods and systems for protection of identity 6 2005
7,991,201 Methods and systems for protection of identity 4 2009
* 2010/0169,210 Methods and Systems for Protection of Identity 4 2009
8,520,904 Methods and systems for protection of identity 0 2012
9,087,214 Methods and systems for protection of identity 0 2013
 
NXP B.V. (1)
9,208,634 Enhanced smart card usage 0 2009
 
PAYPAL, INC. (3)
* 9,083,532 Physiological response PIN entry 0 2012
* 2013/0239,187 Physiological Response PIN Entry 0 2012
* 2013/0247,173 SYSTEM AND METHODS FOR SECURE ENTRY OF A PERSONAL IDENTIFICATION NUMBER (PIN) 2 2013
 
EMC CORPORATION (1)
9,119,076 System and method for authentication using a mobile communication device 0 2009
 
TRANSUNION INTERACTIVE, INC. (2)
8,527,773 Identity verification systems and methods 1 2010
9,158,903 Identity verification systems and methods 0 2013
 
JPMORGAN CHASE BANK, N.A. (2)
* 2006/0259,439 System for providing cardless payment 5 2006
* 2012/0078,795 SYSTEM FOR PROVIDING CARDLESS PAYMENT 1 2011
 
MICROSOFT TECHNOLOGY LICENSING, LLC (3)
* 7,987,251 Validation of domain name control 1 2005
* 2007/0067,457 Hosting of network-based services 2 2005
* 2007/0067,465 Validation of domain name control 17 2005
 
AUTHERNATIVE, INC. (2)
8,868,919 Authentication method of field contents based challenge and enumerated pattern of field positions based response in random partial digitized path recognition system 2 2012
* 2014/0115,670 AUTHENTICATION METHOD OF FIELD CONTENTS BASED CHALLENGE AND ENUMERATED PATTERN OF FIELD POSITIONS BASED RESPONSE IN RANDOM PARTIAL DIGITIZED PATH RECOGNITION SYSTEM 2 2012
 
VERATAD TECHNOLOGIES, LLC (2)
* 7,676,681 Method, system, and apparatus for identification number authentication 4 2003
* 2005/0005,113 METHOD, SYSTEM, AND APPARATUS FOR IDENTIFICATION NUMBER AUTHENTICATION 4 2003
 
YT ACQUISITION CORPORATION (2)
* 8,589,238 System and architecture for merchant integration of a biometric payment system 0 2006
* 2007/0288,320 SYSTEM AND ARCHITECTURE FOR MERCHANT INTEGRATION OF A BIOMETRIC PAYMENT SYSTEM 17 2006
* Cited By Examiner

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