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 8 229

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (12)
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* 5,408,417 Automated ticket sales and dispensing system 411 1994
* 5,646,998 Secure transaction system and method utilized therein 91 1995
* 5,793,302 Method for securing information relevant to a transaction 97 1996
* 5,936,541 Method for securing information relevant to a transaction 113 1997
6,078,908 Method for authorizing in data transmission systems 121 1998
* 6,246,769 Authorized user verification by sequential pattern recognition and access code acquisition 47 2000
* 6,836,765 System and method for secure and address verifiable electronic commerce transactions 148 2000
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UNITED PARCEL SERVICE OF AMERICA, INC. (1)
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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 825 1995
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
* 6,003,014 Method and apparatus for acquiring access using a smart card 161 1997
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BELL CANADA (1)
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ORACLE INTERNATIONAL CORPORATION (1)
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GOOGLE TECHNOLOGY HOLDINGS LLC (1)
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NXP B.V. (1)
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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. (USA) (1)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
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SWIVEL SECURE LIMITED (1)
* 7,043,635 Embedded synchronous random disposable code identification method and system 10 2000
 
HEWLETT-PACKARD COMPANY (1)
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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 31 1994
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INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 305 1998
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
* 5,606,614 Personal identification systems 42 1996
 
EMC CORPORATION (2)
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6,189,098 Client/server protocol for proving authenticity 334 2000
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
6,343,284 Method and system for billing on the internet 61 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)
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DIALWARE INC. (1)
* 2004/0236,819 Method and system for remotely authenticating identification devices 76 2003
 
MCI COMMUNICATIONS CORPORATION, TECHNOLOGY DEPT. (1)
* 5,988,497 Method for authenticating credit transactions to prevent fraudulent charges 168 1996
 
NCR CORPORATION (4)
* 6,539,363 Write input credit transaction apparatus and method with paperless merchant credit card processing 95 1990
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* 5,297,202 Apparatus and method for producing a digitized transaction record including an encrypted signature 101 1992
* 6,760,796 Smart card which temporarily stores transactions in non-secure memory and consolidates the transactions into secure memory 9 1999
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (1)
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Securities Dynamics Technologies, Inc. (2)
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BRIDGEPOINT SYSTEMS INC. (1)
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SILICON VALLEY BANK (1)
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NOKIA TECHNOLOGIES OY (1)
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The Exchange System Limited Partnership (1)
* 5,016,277 Encryption key entry method in a microcomputer-based encryption system 28 1988
 
MICROSOFT TECHNOLOGY LICENSING, LLC (2)
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WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
* 6,163,771 Method and device for generating a single-use financial account number 300 1997
 
TRIO SECURITY, INC. (1)
* 6,732,278 Apparatus and method for authenticating access to a network resource 122 2001
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (9)
* 4,720,860 Method and apparatus for positively identifying an individual 309 1984
* 4,885,778 Method and apparatus for synchronizing generation of separate, free running, time dependent equipment 166 1985
* 4,998,279 Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics 198 1989
* 5,023,908 Method and apparatus for personal identification 138 1989
* 5,058,161 Method and apparatus for secure identification and verification 64 1989
* 5,168,520 Method and apparatus for personal identification 292 1991
* 5,361,062 Personal security system 299 1992
* 5,657,388 Method and apparatus for utilizing a token for resource access 363 1994
* 5,479,512 Method and apparatus for performing concryption 227 1994
 
TELEFONAKTIEBOLAGET L M ERICSSON (PUBL) (2)
* 5,668,876 User authentication method and apparatus 214 1994
5,724,423 Method and apparatus for user authentication 103 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 57 1992
 
SECURA-CODE CORPORATION (1)
* 5,239,583 Method and apparatus for improved security using access codes 89 1991
 
KRYPTOSINA (1)
* 6,834,271 Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet 43 1999
 
AT&T CORP. (2)
* 5,778,173 Mechanism for enabling secure electronic transactions on the open internet 142 1996
* 5,971,272 Secured personal identification number 28 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 4 2009
 
Other [Check patent profile for assignment information] (5)
* 2008/0065,554 METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK 11 2007
* 2012/0173,411 MANAGEMENT METHOD OF ARTICLE 0 2009
* 2011/0119,190 ANONYMOUS TRANSACTION PAYMENT SYSTEMS AND METHODS 1 2010
* 9,336,667 Electronic mailbox system 0 2013
* 2013/0147,626 Electronic Mailbox System 6 2013
 
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 4 2009
* 2010/0235,908 System and Method for Detection of a Change in Behavior in the Use of a Website Through Vector Analysis 6 2009
 
OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE LIMITED (8)
8,532,021 Data communications over voice channel with mobile consumer communications devices 0 2007
8,249,965 Member-supported mobile payment system 18 2007
* 2007/0255,653 Mobile Person-to-Person Payment System 225 2007
* 2007/0255,662 Authenticating Wireless Person-to-Person Money Transfers 188 2007
* 2007/0255,652 Mobile Person-to-Person Payment System 161 2007
* 2007/0244,811 Mobile Client Application for Mobile Payments 187 2007
* 2007/0233,615 Member-Supported Mobile Payment System 111 2007
* 2009/0287,601 Network-Based Viral Payment System 15 2009
 
Medium Access Systems Private Ltd. (1)
8,732,807 Method and system using a cyber ID to provide secure transactions 0 2012
 
INTERTRUST TECHNOLOGIES CORPORATION (3)
* 8,220,036 Establishing a secure channel with a human user 0 2006
* 2008/0046,986 ESTABLISHING A SECURE CHANNEL WITH A HUMAN USER 3 2006
9,356,929 Establishing a secure channel with a human user 0 2012
 
VERIFONE, INC. (3)
* 9,280,768 Payment systems and methodologies 0 2011
* 2011/0231,270 PAYMENT SYSTEMS AND METHODOLOGIES 9 2011
9,053,478 Mobile commerce system 0 2012
 
EMC IP HOLDING COMPANY LLC (1)
9,119,076 System and method for authentication using a mobile communication device 0 2009
 
CREATIVE ON-LINE TECHNOLOGIES LIMITED (1)
* 2005/0246,293 Electronic transfer system 19 2005
 
Obopay, Inc. (2)
* 2007/0255,620 Transacting Mobile Person-to-Person Payments 156 2007
* 2009/0319,425 Mobile Person-to-Person Payment System 17 2009
 
VISA INTERNATIONAL SERVICE ASSOCIATION (2)
8,762,283 Multiple party benefit from an online authentication service 1 2004
* 2005/0246,278 Multiple party benefit from an online authentication service 66 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 23 2008
 
MASTERCARD INTERNATIONAL INCORPORATED (3)
* 2002/0007,320 Method and system for secure payments over a computer network 82 2001
* 2010/0228,668 Method and System for Conducting a Transaction Using a Proximity Device and an Identifier 13 2009
* 2010/0223,186 Method and System for Conducting Secure Payments 9 2009
 
FIRST DATA CORPORATION (1)
* 2013/0097,034 Systems and Methods for Facilitating Point of Sale Transactions 7 2012
 
III HOLDINGS 1, LLC (6)
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* 2007/0078,786 Methods and systems for protection of identity 9 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
 
PAYPAL, INC. (4)
* 9,083,532 Physiological response PIN entry 0 2012
* 2013/0239,187 Physiological Response PIN Entry 3 2012
* 9,390,256 System and methods for secure entry of a personal identification number (PIN) 0 2013
* 2013/0247,173 SYSTEM AND METHODS FOR SECURE ENTRY OF A PERSONAL IDENTIFICATION NUMBER (PIN) 2 2013
 
NXP B.V. (1)
9,208,634 Enhanced smart card usage 0 2009
 
TRANSUNION INTERACTIVE, INC. (2)
8,527,773 Identity verification systems and methods 4 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 2 2005
* 2007/0067,457 Hosting of network-based services 2 2005
* 2007/0067,465 Validation of domain name control 21 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 5 2012
 
VERATED TECHNOLOGIES, LLC (1)
* 2010/0107,233 METHOD, SYSTEM, AND APPARATUS FOR IDENTIFICATION NUMBER AUTHENTICATION 2 2009
 
Veratad Technologies, LLC (2)
* 7,676,681 Method, system, and apparatus for identification number authentication 5 2003
* 2005/0005,113 METHOD, SYSTEM, AND APPARATUS FOR IDENTIFICATION NUMBER AUTHENTICATION 5 2003
 
OPEN INVENTION NETWORK, LLC (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 19 2006
* Cited By Examiner

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