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

ALSO PUBLISHED AS: 20020029342

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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)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Keech, Winston Donald Little Beck, GB 9 149

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5,023,908 Method and apparatus for personal identification 125 1989
5,058,161 Method and apparatus for secure identification and verification 61 1989
5,168,520 Method and apparatus for personal identification 236 1991
5,361,062 Personal security system 230 1992
5,657,388 Method and apparatus for utilizing a token for resource access 294 1994
5,479,512 Method and apparatus for performing concryption 174 1994
 
NCR CORPORATION (4)
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OTOMAKU PROPERTIES LTD., L.L.C. (3)
6,282,656 Electronic transaction systems and methods therefor 74 1998
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6,175,922 Electronic transaction systems and methods therefor 351 2000
 
AT&T CORP. (2)
5,778,173 Mechanism for enabling secure electronic transactions on the open internet 117 1996
5,971,272 Secured personal identification number 24 1997
 
EMC CORPORATION (2)
5,367,572 Method and apparatus for personal identification 91 1992
6,189,098 Client/server protocol for proving authenticity 233 2000
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (2)
5,177,789 Pocket-sized computer access security device 35 1991
6,216,183 Apparatus and method for securing information entered upon an input device coupled to a universal serial bus 32 1998
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 135 1997
6,095,412 Host and user transaction system 146 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
5,196,840 Secure communications system for remotely located computers 99 1990
5,661,807 Authentication system using one-time passwords 85 1995
 
LUCENT TECHNOLOGIES INC. (2)
5,754,652 Method and apparatus for secure pin entry 29 1994
5,940,511 Method and apparatus for secure PIN entry 26 1997
 
MICROSOFT CORPORATION (2)
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6,343,360 Automated configuration of computing system using zip code data 51 1999
 
Securities Dynamics Technologies, Inc. (2)
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TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (2)
5,668,876 User authentication method and apparatus 176 1994
5,724,423 Method and apparatus for user authentication 87 1995
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
6,003,014 Method and apparatus for acquiring access using a smart card 149 1997
6,018,717 Method and apparatus for acquiring access using a fast smart card transaction 169 1998
 
BELL CANADA (1)
6,687,350 Smart card reader and transaction system 13 1998
 
BRIDGEPOINT SYSTEMS, INC. (1)
5,936,221 Smart card system and method for transferring value 140 1997
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
5,606,614 Personal identification systems 38 1996
 
CASIO COMPUTER CO., LTD. (1)
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CITICORP DEVELOPMENT CENTER, INC. (1)
6,289,324 System for performing financial transactions using a smart card 146 2000
 
DIALWARE INC. (1)
2004/0236,819 Method and system for remotely authenticating identification devices 52 2003
 
DynamicServe, Ltd. (1)
5,163,097 Method and apparatus for providing secure access to a limited access system 74 1991
 
ENTERPRISE SYSTEMS, INC. (1)
5,537,313 Point of supply use distribution process and apparatus 58 1993
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 777 1995
 
Freeman; Albert J. (1)
5,661,284 Commercial transaction system 14 1995
 
HBO & COMPANY OF GEORGIA (1)
5,611,051 Point of supply use distribution process and apparatus 129 1995
 
HEWLETT-PACKARD COMPANY (1)
5,324,922 Apparatus and method for managing transactions 217 1993
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 254 1998
 
KRYPTOSINA (1)
6,834,271 Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet 20 1999
 
MCI COMMUNICATIONS CORPORATION, TECHNOLOGY DEPT. (1)
5,988,497 Method for authenticating credit transactions to prevent fraudulent charges 138 1996
 
MOTOROLA MOBILITY LLC (1)
5,530,438 Method of providing an alert of a financial transaction 175 1995
 
NEXT ACCESS TECHNOLOGIES, LLC (1)
5,428,349 Nondisclosing password entry system 45 1992
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
6,343,284 Method and system for billing on the internet 60 1998
 
NOKIA DISPLAY PRODUCTS OY (1)
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NXP B.V. (1)
6,185,682 Authentication system 48 1998
 
ORACLE INTERNATIONAL CORPORATION (1)
6,332,192 Generalized user identification and authentication system 74 1998
 
RENESAS ELECTRONICS CORPORATION (1)
5,355,413 Authentication method performed between IC card and terminal unit and system therefor 61 1993
 
SECURA-CODE CORPORATION (1)
5,239,583 Method and apparatus for improved security using access codes 84 1991
 
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SILICON VALLEY BANK (1)
6,484,260 Personal identification system 143 1998
 
Software Control Systems, Inc. (1)
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SWIVEL SECURE LIMITED (1)
7,043,635 Embedded synchronous random disposable code identification method and system 7 2000
 
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The Exchange System Limited Partnership (1)
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TRIO SECURITY, INC. (1)
6,732,278 Apparatus and method for authenticating access to a network resource 97 2001
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
6,285,916 Multi-stage parcel tracking system 177 1997
 
WALKER DIGITAL, LLC (1)
6,163,771 Method and device for generating a single-use financial account number 245 1997
 
Wesco Software Limited (1)
5,655,020 Authenticating the identity of an authorized person 9 1994
 
Other [Check patent profile for assignment information] (12)
5,056,141 Method and apparatus for the identification of personnel 115 1986
5,251,259 Personal identification system 86 1992
5,343,529 Transaction authentication using a centrally generated transaction identifier 175 1993
5,408,417 Automated ticket sales and dispensing system 334 1994
5,646,998 Secure transaction system and method utilized therein 79 1995
5,793,302 Method for securing information relevant to a transaction 80 1996
5,936,541 Method for securing information relevant to a transaction 91 1997
6,078,908 Method for authorizing in data transmission systems 102 1998
6,246,769 Authorized user verification by sequential pattern recognition and access code acquisition 39 2000
6,836,765 System and method for secure and address verifiable electronic commerce transactions 104 2000
6,748,367 Method and system for effecting financial transactions over a public network without submission of sensitive information 79 2000
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Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
PRIVACY CARD, LLC (3)
7,689,007 Methods and systems for protection of identity 4 2005
7,991,201 Methods and systems for protection of identity 2 2009
8,520,904 Methods and systems for protection of identity 0 2012
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (2)
8,532,021 Data communications over voice channel with mobile consumer communications devices 0 2007
8,249,965 Member-supported mobile payment system 5 2007
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
8,589,698 Integrity service using regenerated trust integrity gather program 0 2009
 
InterTrust Technologies Corp. (1)
8,220,036 Establishing a secure channel with a human user 0 2006
 
MEDIUM ACCESS SYSTEMS PRIVATE LIMITED (1)
8,732,807 Method and system using a cyber ID to provide secure transactions 0 2012
 
MICROSOFT CORPORATION (1)
7,987,251 Validation of domain name control 0 2005
 
TRANSUNION INTERACTIVE, INC. (1)
8,527,773 Identity verification systems and methods 1 2010
 
VERATAD TECHNOLOGIES, LLC (1)
7,676,681 Method, system, and apparatus for identification number authentication 0 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
8,762,283 Multiple party benefit from an online authentication service 0 2004
 
YT ACQUISITION CORPORATION (1)
8,589,238 System and architecture for merchant integration of a biometric payment system 0 2006

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