Mobile Secure Transactions Using Human Intelligible Handshake Key
AssigneeAllegro Systems LLC
InventorsRichard Kang, Lance Taschner
Life of this patent
Estimating the term…
Abstract
A software library could be called by an ecommerce application on a mobile phone to improve security of the transaction. When a human user wishes to purchase a product through the ecommerce application, the software library could present a passkey, such as a unique word, phrase, image, sound, or song, which is only recognizable by the human user. The human user authenticates the passkey by recognizing the passkey as the one he/she designated, and then authorizes the payment for the product, preferably through a passkey of his or her own, such as a password that the system recognizes.
Claims19
A system for securing a transaction, comprising:
- a network computer system with access to a user transaction account and an associated human-intelligible passkey;
- a mobile computer system with a mobile application that presents a user interface allowing a user to request the mobile application to transfer money from the user transaction account to a business transaction account;
- and
- a software library accessible by the mobile application that presents, in response to the requested transfer from the mobile application, the passkey to the user interface, wherein a human user authenticates the passkey and authorizes the software library to complete the requested transfer through the user interface.
A method of securing a transaction within a mobile application, comprising:
- receiving a request through a user interface on the mobile application to transfer money from a user transaction account to a third-party transaction account designated by the mobile application;
- providing a user interface within the mobile application that presents a passkey through the user interface for human-user authentication;
- receiving an authorization through the user interface to allow the requested transfer to execute;
- and
- transferring funds from the user transaction account to the third-party transaction account.
Dependencies are inferred from the claim text.