Fraud deterrence for secure transactions
OwnerMichael Sasha Johninventor
Life of this patent
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Abstract
An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.
Claims20
A method comprising:
- presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website;
- receiving login information for a first user account on the third-party website;
- verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information;
- responsive to the verification, verifying an identity at the first website.
A method comprising:
- receiving a request to process secure transaction at a website, using a first computing device;
- determining, based on a user profile associated with the secure transaction, that the first computing device is not recognized as authorized for use in completion of the secure transaction;
- sending, responsive to the determining, a message to a previously authorized, second computing device, out-of-band with regards to the requested secure transaction and associated with the user profile, the message pertaining to authorization for the secure transaction;
- and
- responsive to a user authorization indicating receipt of the message and confirmation of the secure transaction, processing the secure transaction using the first computing device.
A method comprising:
- receiving a request from a first device, for a secure internet transaction at a website;
- responsive to the request, presenting an offer to verify an identity using an out-of-band device, different from the first device and previously associated with the identity;
- responsive to acceptance of the offer, sending a message to the out-of-band device including a confirmation code;
- receiving input of the confirmation code as evidence of possession of the out-of-band device;
- and
- verifying the identity based on the input confirmation code corresponding to the sent confirmation code.
Dependencies are inferred from the claim text.