Method for secure user and transaction authentication and risk management
AssigneeAuthentify, Inc.
InventorRavi Ganesan
Life of this patent
Estimating the term…
Abstract
To provide a user signature on a network transaction, a security server receives transaction information representing a transaction between a network user and a network site, such as a website, directly from the network site. The security server calculates a one-time-password based on the received transaction information and a secret shared by the security server and the network site, but not by the user. The security server transmits the calculated one-time-password for application as the user's signature on the transaction. The one-time-password is independently calculable by the network site based on the shared secret.
Claims14
A method of providing a user signature on a network transaction, comprising:
- receiving, by a security server directly from a network site, transaction information representing a transaction between a network user and a network site;
- calculating, by the security server, a one-time-password based on (i) the received transaction information and (ii) a secret shared by the security server and the network site, but not by the user, wherein the one-time-password is independently calculable by the network site based on the shared secret and the transaction information;
- and
- transmitting, by the security server, the calculated one-time-password for application as the user's signature on the transaction and verification by the network site;
- wherein the calculated one-time-password is transmitted, by the security server to one user network device, for presentation on a window displayed by that user network device and entry by the user onto a network page associated with the network site and displayed on another user network device.
A method of authenticating a user on a network, comprising:
- receiving, by a security server directly from a network site, a request of the network site to have a user authenticated;
- calculating, by the security server, a one-time-password based on a secret shared by the security server and the network site, but not by the user, wherein the one-time-password is independently calculable by the network site based on the shared secret;
- and
- transmitting, by the security server to a window displayed on a network device of the user, the calculated one-time-password for entry by the user onto a network page associated with the network site and displayed on another network device of the user, and for subsequent verification by the network site to thereby authenticate the user.
Dependencies are inferred from the claim text.