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
Stats
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Jun 24, 2008
Issued date -
Jul 27, 2001
filing date -
09/915,271
serial no -
In Force
status
Importance
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Abstract
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
Related Publications
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International Classification(s)
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Cited Art
| Patent Info | (Count) | # Cites | Year |
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| 5,361,062 Personal security system | 164 | 1992 | |
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| 5,479,512 Method and apparatus for performing concryption | 123 | 1994 | |
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| 6,175,922 Electronic transaction systems and methods therefor | 258 | 2000 | |
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| 5,971,272 Secured personal identification number | 17 | 1997 | |
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| 5,940,511 Method and apparatus for secure PIN entry | 25 | 1997 | |
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| 6,343,360 Automated configuration of computing system using zip code data | 43 | 1999 | |
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| 5,237,614 Integrated network security system | 257 | 1991 | |
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| 5,668,876 User authentication method and apparatus | 156 | 1994 | |
| 5,724,423 Method and apparatus for user authentication | 78 | 1995 | |
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| 6,003,014 Method and apparatus for acquiring access using a smart card | 134 | 1997 | |
| 6,018,717 Method and apparatus for acquiring access using a fast smart card transaction | 147 | 1998 | |
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| 6,687,350 Smart card reader and transaction system | 12 | 1998 | |
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| 5,606,614 Personal identification systems | 34 | 1996 | |
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| 2004/0236,819 Method and system for remotely authenticating identification devices | 42 | 2003 | |
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| 5,163,097 Method and apparatus for providing secure access to a limited access system | 68 | 1991 | |
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| 5,537,313 Point of supply use distribution process and apparatus | 49 | 1993 | |
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| 5,757,917 Computerized payment system for purchasing goods and services on the internet | 648 | 1995 | |
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| 5,661,284 Commercial transaction system | 12 | 1995 | |
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| 5,611,051 Point of supply use distribution process and apparatus | 121 | 1995 | |
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| 5,324,922 Apparatus and method for managing transactions | 197 | 1993 | |
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| 6,182,894 Systems and methods for authorizing a transaction card | 171 | 1998 | |
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| 5,988,497 Method for authenticating credit transactions to prevent fraudulent charges | 113 | 1996 | |
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| 5,530,438 Method of providing an alert of a financial transaction | 143 | 1995 | |
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| 5,428,349 Nondisclosing password entry system | 36 | 1992 | |
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| 6,343,284 Method and system for billing on the internet | 54 | 1998 | |
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| 6,816,974 Method and arrangement for limiting the use of a display device | 4 | 1999 | |
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| 6,185,682 Authentication system | 43 | 1998 | |
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| 6,332,192 Generalized user identification and authentication system | 61 | 1998 | |
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| 5,239,583 Method and apparatus for improved security using access codes | 76 | 1991 | |
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| 5,627,355 Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers | 93 | 1995 | |
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| 5,485,519 Enhanced security for a secure token code | 159 | 1993 | |
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| 6,484,260 Personal identification system | 116 | 1998 | |
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| 5,481,509 Jukebox entertainment system including removable hard drives | 113 | 1994 | |
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| 7,043,635 Embedded synchronous random disposable code identification method and system | 4 | 2000 | |
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| 6,732,278 Apparatus and method for authenticating access to a network resource | 75 | 2001 | |
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| 6,163,771 Method and device for generating a single-use financial account number | 191 | 1997 | |
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| 5,655,020 Authenticating the identity of an authorized person | 9 | 1994 | |
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| 5,056,141 Method and apparatus for the identification of personnel | 90 | 1986 | |
| 5,251,259 Personal identification system | 75 | 1992 | |
| 5,343,529 Transaction authentication using a centrally generated transaction identifier | 148 | 1993 | |
| 5,408,417 Automated ticket sales and dispensing system | 296 | 1994 | |
| 5,646,998 Secure transaction system and method utilized therein | 65 | 1995 | |
| 5,793,302 Method for securing information relevant to a transaction | 60 | 1996 | |
| 5,936,541 Method for securing information relevant to a transaction | 73 | 1997 | |
| 6,078,908 Method for authorizing in data transmission systems | 93 | 1998 | |
| 6,246,769 Authorized user verification by sequential pattern recognition and access code acquisition | 32 | 2000 | |
| 6,836,765 System and method for secure and address verifiable electronic commerce transactions | 64 | 2000 | |
| 6,748,367 Method and system for effecting financial transactions over a public network without submission of sensitive information | 60 | 2000 | |
| 2002/0013,904 Remote authentication for secure system access and payment systems | 4 | 2001 | |
Patent Citation Ranking
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|---|---|---|---|
| 7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Dec 24, 2015 |
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Dec 24, 2019 |
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge - 7.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
| Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |