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A system and method for verifying a user's identity in electronic transactions

A technology of electronic transaction and user identity, applied in the field of identity system

Inactive Publication Date: 2009-09-02
丹·斯卡梅尔
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0022] The present invention is a system and method for applying portable communication technology to solve the problem of providing accurate user identity verification in electronic transactions

Method used

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  • A system and method for verifying a user's identity in electronic transactions
  • A system and method for verifying a user's identity in electronic transactions
  • A system and method for verifying a user's identity in electronic transactions

Examples

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Embodiment Construction

[0036] Methodology - Phase 1: Pre-registration

[0037] Due to the enormous flexibility and potential for use in a variety of settings of the method of the present invention, it is not possible to disclose all potential applications. Disclosed herein are relatively simple embodiments of the method and system of this invention, which represent the best mode currently known to me for carrying out the invention. Then, a number of variations and modifications are disclosed in order to illustrate the flexibility of the invention. Based on this disclosure, one of ordinary skill in the art will be able to practice the invention and apply it to obtain many different and useful results.

[0038] Figure 1~3 The example shown shows how a person referred to herein as a "customer" or "payer" can use the invention to protect a credit card account, for example, by a company such as VISA and MasterCard A credit card account managed by a payment exchange association. As noted above, su...

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PUM

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Abstract

The invention described herein is a method and system for verifying the identity of a user by a verifier in the course of an electronic transaction. The invention provides a process and a system for blocking an account until a verifier completes an identity verification process for verifying the identity of the person initiating the transaction. The process comprises pre-enrolling the person and the person's personal communication device. Optionally, one or more accounts are enrolled by flagging the accounts such that transactions are subject to user identity verification. At the time a transaction is initiated, a verifier sends an identification verification request (IVR) to the portable communication device of the person initiating the electronic- transaction. The person then verifies his / her identity by supplying a secure identifier in response to the IVR. Optionally, the person is asked to authorize the transaction before the transaction is accepted.

Description

technical field [0001] The present invention relates to systems and methods for verifying the identity of a person initiating an electronic transaction. [0002] definition [0003] The following definitions are provided to set forth the intended scope and meaning of certain terms used in the disclosure and claims. The examples used in the definitions are intended to illustrate and clarify the definitions, not to limit the definition or scope of the defined terms. Terms defined herein include plural forms, singular forms and grammatical equivalents and substitutions. [0004] "Electronic Transaction"—comprises a request for goods or services, including an associated payment for said goods or services, and a response to that request, wherein a certain The first step involves the electronic communication of information. "Service" is broadly defined to include any requested action. The term "electronic transaction" as used herein applies to transactions involving virtually a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00
CPCG06Q20/02G06Q20/04G06Q20/4014G06Q20/3223G06Q20/425G06Q20/40G07C9/00039G06Q20/3821G06Q20/32G06Q20/325G07C9/23G06Q30/06G06F21/30
Inventor 斯图尔特·古丁
Owner 丹·斯卡梅尔