Method and system for secure online transaction processing

A method for executing a secure online transaction between a user computer and a vendor computer, the vendor computer and the user computer being interconnected to a computer network for data communications therebetween, the user computer having associated therewith a network address unique thereto at the time of the request;

• the method comprising the steps of:
• a) the user computer executing a transaction request, comprising the steps of
• i) generating a user authentication number as a first function of
• a user registration number unique to the user computer, and
• an internally stored user matrix unique to the user computer;
• ii) assigning a network protocol port number as a second function of
• the user registration number, and
• the user matrix;
• iii) transmitting a transaction request message to the vendor computer via the computer network, the transaction request message comprising
• the user registration number,
• first data indicative of the requested transaction, and
• the network address associated with the user computer;
• b) in response to receiving the transaction request message, the vendor computer sending a transaction verification request to a trust server computer interconnected to the computer network, the transaction verification request comprising
• (i) the user registration number,
• (ii) second data indicative of the requested transaction, and
• (iv) the network address associated with the user computer;
• c) in response to the transaction verification request from the vendor computer, the trust server computer authenticating the user computer by
• (i) calculating the user matrix from an internal memory by utilizing the received user registration number to address the memory,
• (ii) generating a trust server authentication number as a first function of
• the received user registration number, and
• the calculated matrix,
• (iii) calculating an expected network protocol port number as a second function of
• the received user registration number, and
• the calculated user matrix,
• (iv) communicating with the user computer by utilizing the user computer network address received from the vendor computer and the calculated expected network protocol port number,
• (v) obtaining from the user computer the user authentication number,
• (vi) comparing the obtained user authentication number with the generated trust server authentication number;
• and
• (vii) indicating that the user computer is authentic when the comparison step has passed, and indicating that the user computer is not authentic when the comparison step has failed.

A method for executing a secure online transaction between a user computer and a vendor computer, the vendor computer and the user computer being interconnected to a computer network for data communications therebetween, the user computer having associated therewith a network address unique thereto at the time of the request;

• the method comprising the steps of:
• a) the user computer executing a transaction request, comprising the steps of
• i) generating a user authentication number as a first function of
• a user registration number unique to the user computer, and
• time stamp data correlated to the time of the transaction request;
• ii) assigning a network protocol port number as a second function of
• the user registration number, and
• the time stamp data;
• iii) transmitting a transaction request message to the vendor computer via the computer network, the transaction request message comprising
• the user registration number,
• the time stamp data,
• first data indicative of the requested transaction, and
• the network address associated with the user computer;
• b) in response to the transaction request message, the vendor computer sending a transaction verification request to a trust server computer interconnected to the computer network, the transaction verification request comprising
• (i) the user registration number,
• (ii) the time stamp data,
• (iii) second data indicative of the requested transaction, and
• (iv) the network address associated with the user computer;
• c) in response to receiving the transaction verification request from the vendor computer, the trust server computer authenticating the user computer by
• (i) generating a trust server authentication number as a first function of
• the received user registration number, and
• the received time stamp data;
• (iii) calculating an expected network protocol port number as a second function of
• the received user registration number, and
• the received time stamp data, and
• (iv) communicating with the user computer by utilizing the user computer network address received from the vendor computer and the calculated expected network protocol port number,
• (v) obtaining from the user computer the user authentication number,
• (vi) comparing the obtained user authentication number with the generated trust server authentication number;
• and
• (vii) indicating that the user computer is authentic when the comparison step has passed, and indicating that the user computer is not authentic when the comparison step has failed.