ID authentication

Abstract

A method for ID authentication, in which equipment involved in a transaction requests a password from a physically separate but limited-range communicating device, which automatically supplies a password in response to such request and communicates it to the equipment, the password is assessed as valid or invalid and the transaction approved or not accordingly.

Description

technical field [0001] The present invention relates to ID authentication. Background technique [0002] The usual method for ID authentication is via a PIN, which is typed, for example, on a computer keyboard or the keyboard or keypad of a mobile phone in order to access all or at least some of the functions of such a device, or to pay with a credit or debit card in a store. A four or more digit number entered on the terminal's keypad to verify that the card presenter is the card owner, assuming only the card owner will know the PIN. For credit and debit cards, the PIN is mailed to the card presenter shortly after the card is mailed. The PIN is machine-generated and unknown to the issuing bank or credit card company. [0003] However, the PIN can be compromised, often through inadvertent use, but also by, for example, changing the monitoring at the cash dispenser or sneaking keystroke monitoring software onto the computer. [0004] In some online credit and debit card tr...

AI Technical Summary

Problems solved by technology

[0008] However, it is flawed because the password on the authentication tag can be read and matched by another computing device in the authentication process

If a tag is included on the payment card, a series of fraudulent transactions may occur before some other countermeasure can be applied

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