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)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Keech, Winston Donald Little Beck, GB 10 173

Cited Art Landscape

Patent Info (Count) # Cites Year
 
DIALWARE INC. (1)
* 2004/0236,819 Method and system for remotely authenticating identification devices 58 2003
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
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MCI COMMUNICATIONS CORPORATION, TECHNOLOGY DEPT. (1)
* 5,988,497 Method for authenticating credit transactions to prevent fraudulent charges 147 1996
 
Other [Check patent profile for assignment information] (12)
* 5,056,141 Method and apparatus for the identification of personnel 122 1986
* 5,251,259 Personal identification system 91 1992
* 5,343,529 Transaction authentication using a centrally generated transaction identifier 182 1993
* 5,408,417 Automated ticket sales and dispensing system 350 1994
* 5,646,998 Secure transaction system and method utilized therein 82 1995
* 5,793,302 Method for securing information relevant to a transaction 81 1996
* 5,936,541 Method for securing information relevant to a transaction 95 1997
6,078,908 Method for authorizing in data transmission systems 108 1998
* 6,246,769 Authorized user verification by sequential pattern recognition and access code acquisition 43 2000
* 6,836,765 System and method for secure and address verifiable electronic commerce transactions 117 2000
* 6,748,367 Method and system for effecting financial transactions over a public network without submission of sensitive information 87 2000
* 2002/0013,904 Remote authentication for secure system access and payment systems 6 2001
 
NCR CORPORATION (4)
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* 5,195,133 Apparatus and method for producing a digitized transaction record including an encrypted signature 104 1991
* 5,297,202 Apparatus and method for producing a digitized transaction record including an encrypted signature 97 1992
* 6,760,796 Smart card which temporarily stores transactions in non-secure memory and consolidates the transactions into secure memory 7 1999
 
Software Control Systems, Inc. (1)
* 5,481,509 Jukebox entertainment system including removable hard drives 147 1994
 
FIRST VIRTUAL HOLDINGS (1)
* 5,757,917 Computerized payment system for purchasing goods and services on the internet 789 1995
 
Securities Dynamics Technologies, Inc. (2)
* 5,097,505 Method and apparatus for secure identification and verification 80 1990
* 5,237,614 Integrated network security system 349 1991
 
BELL CANADA (1)
* 6,687,350 Smart card reader and transaction system 17 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
* 6,003,014 Method and apparatus for acquiring access using a smart card 154 1997
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NOKIA TECHNOLOGIES OY (1)
* 6,816,974 Method and arrangement for limiting the use of a display device 5 1999
 
SILICON VALLEY BANK (1)
* 6,484,260 Personal identification system 154 1998
 
OTOMAKU PROPERTIES LTD., L.L.C. (3)
* 6,282,656 Electronic transaction systems and methods therefor 76 1998
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* 6,175,922 Electronic transaction systems and methods therefor 376 2000
 
BRIDGEPOINT SYSTEMS, INC. (1)
* 5,936,221 Smart card system and method for transferring value 142 1997
 
The Exchange System Limited Partnership (1)
* 5,016,277 Encryption key entry method in a microcomputer-based encryption system 26 1988
 
ORACLE INTERNATIONAL CORPORATION (1)
* 6,332,192 Generalized user identification and authentication system 78 1998
 
NXP B.V. (1)
* 6,185,682 Authentication system 50 1998
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
* 5,530,438 Method of providing an alert of a financial transaction 185 1995
 
Intellect Australia Pty Ltd. (2)
* 6,091,817 Host and user transaction system 137 1997
* 6,095,412 Host and user transaction system 149 1997
 
SECURTIY DYNAMICS TECHNOLOGIES, INC. (1)
* 5,485,519 Enhanced security for a secure token code 225 1993
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
* 6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 578 1997
* 6,343,360 Automated configuration of computing system using zip code data 54 1999
 
RENESAS ELECTRONICS CORPORATION (1)
* 5,355,413 Authentication method performed between IC card and terminal unit and system therefor 66 1993
 
SECURE INFORMATIOON TECHNOLOGIES, LLC (1)
* 5,627,355 Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers 120 1995
 
TRIO SECURITY, INC. (1)
* 6,732,278 Apparatus and method for authenticating access to a network resource 103 2001
 
ENTERPRISE SYSTEMS, INC. (1)
* 5,537,313 Point of supply use distribution process and apparatus 58 1993
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (9)
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* 4,885,778 Method and apparatus for synchronizing generation of separate, free running, time dependent equipment 147 1985
* 4,998,279 Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics 187 1989
* 5,023,908 Method and apparatus for personal identification 128 1989
* 5,058,161 Method and apparatus for secure identification and verification 62 1989
* 5,168,520 Method and apparatus for personal identification 248 1991
* 5,361,062 Personal security system 245 1992
* 5,657,388 Method and apparatus for utilizing a token for resource access 309 1994
* 5,479,512 Method and apparatus for performing concryption 186 1994
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
* 6,289,324 System for performing financial transactions using a smart card 152 2000
 
WALKER DIGITAL, LLC (1)
* 6,163,771 Method and device for generating a single-use financial account number 260 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
* 5,196,840 Secure communications system for remotely located computers 102 1990
* 5,661,807 Authentication system using one-time passwords 91 1995
 
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 225 1993
 
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 35 1998
 
LUCENT TECHNOLOGIES INC. (2)
5,754,652 Method and apparatus for secure pin entry 30 1994
* 5,940,511 Method and apparatus for secure PIN entry 26 1997
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (2)
* 5,668,876 User authentication method and apparatus 190 1994
5,724,423 Method and apparatus for user authentication 90 1995
 
HBO & COMPANY OF GEORGIA (1)
* 5,611,051 Point of supply use distribution process and apparatus 130 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 49 1992
 
SYMBOL TECHNOLOGIES, INC. (1)
* 6,002,918 Power-saving arrangement and method for mobile units in communications network 163 1996
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 270 1998
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
* 5,606,614 Personal identification systems 40 1996
 
SECURA-CODE CORPORATION (1)
* 5,239,583 Method and apparatus for improved security using access codes 86 1991
 
EMC CORPORATION (2)
* 5,367,572 Method and apparatus for personal identification 95 1992
6,189,098 Client/server protocol for proving authenticity 256 2000
 
KRYPTOSINA (1)
* 6,834,271 Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet 28 1999
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
6,343,284 Method and system for billing on the internet 60 1998
 
DynamicServe, Ltd. (1)
* 5,163,097 Method and apparatus for providing secure access to a limited access system 74 1991
 
CASIO COMPUTER CO., LTD. (1)
* 4,697,072 Identification card and authentication system therefor 122 1985
 
Freeman; Albert J. (1)
* 5,661,284 Commercial transaction system 14 1995
 
AT&T CORP. (2)
* 5,778,173 Mechanism for enabling secure electronic transactions on the open internet 123 1996
* 5,971,272 Secured personal identification number 27 1997
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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
 
Other [Check patent profile for assignment information] (1)
* 2013/0147,626 Electronic Mailbox System 1 2013
 
MEDIUM ACCESS SYSTEMS PRIVATE LIMITED (1)
8,732,807 Method and system using a cyber ID to provide secure transactions 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 9 2007
 
InterTrust Technologies Corp. (1)
* 8,220,036 Establishing a secure channel with a human user 0 2006
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
8,762,283 Multiple party benefit from an online authentication service 0 2004
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 2010/0228,668 Method and System for Conducting a Transaction Using a Proximity Device and an Identifier 5 2009
 
III HOLDINGS 1, 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
 
FIRST DATA CORPORATION (1)
* 2013/0097,034 Systems and Methods for Facilitating Point of Sale Transactions 2 2012
 
TRANSUNION INTERACTIVE, INC. (1)
8,527,773 Identity verification systems and methods 1 2010
 
JPMORGAN CHASE BANK, N.A. (1)
* 2012/0078,795 SYSTEM FOR PROVIDING CARDLESS PAYMENT 0 2011
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
* 7,987,251 Validation of domain name control 0 2005
 
AUTHERNATIVE, INC. (1)
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 0 2012
 
VERATAD TECHNOLOGIES, LLC (1)
* 7,676,681 Method, system, and apparatus for identification number authentication 2 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 14 2006
* Cited By Examiner

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