Systems and methods for secure authentication of electronic transactions

a technology of electronic transactions and authentication methods, applied in the field of electronic transactions, can solve the problems of preventing on-line sales from rising to the predicted level, serious problems that are only going to get worse, and the inability of the merchant to verify the identification information supplied in the electronic commerce scenario, so as to increase the reliability of identity verification and reduce fraud

a technology of electronic transactions and authentication methods, applied in the field of electronic transactions, can solve the problems of preventing on-line sales from rising to the predicted level, serious problems that are only going to get worse, and the inability of the merchant to verify the identification information supplied in the electronic commerce scenario, so as to increase the reliability of identity verification and reduce fraud

US20050044385A1Inactive Publication Date: 2005-02-24U S ENCODE CORP
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  • Systems and methods for secure authentication of electronic transactions
  • Systems and methods for secure authentication of electronic transactions
  • Systems and methods for secure authentication of electronic transactions

Examples

Experimental program
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example implementations

[0047] Example implementations of modules 206-212 are now described for purposes of illustration.

[0048] Autoplay module 206 can, for example, be configured to initiate installation of client software 222 onto terminal 102. For ease of use, it is preferable if the installation process is automated, i.e., does not require user intervention to begin the installation process. A common example of an automated installation process is the process that occurs when a CD is placed into a computer's CD drive. On the typical personal computer, the computer's operating system automatically searches CDs inserted into the CD drive for an autoplay file, which is a “pointer” to an installation program on the CD. Thus, autoplay module 206 can be configured so that it is automatically executed every time token 106 is inserted into terminal 102. This assumes that such an auto play option is enabled within the operating system of terminal 102. Alternatively, the user can be required, or have the option,...

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Abstract

An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication process is secure. Further, the strong multi-factor authentication can be implemented with zero adoption dependencies through the implementation of automated enrollment methods.

Description

RELATED APPLICATIONS INFORMATION [0001] This application claims priority under 35 U.S.C. §119 to U.S. Provisional Application Ser. No. 60 / 409,422, entitled “Authentication of Online Transactions,” filed Sep. 9, 2002, which is incorporated by reference in its entirety as if set forth herein.BACKGROUND [0002] 1. Field of the Inventions [0003] The field of the invention relates generally to electronic transactions and more particularly to the authentication of such transactions. [0004] 2. Background Information [0005] Electronic transactions, including electronic commerce, are becoming more prevalent, fueled of course by increasing Internet use. As the number and type of electronic transactions increase, so to does the need to verify the identity of participants in these transactions. Electronic commerce provides a good example. In a typical electronic commerce scenario, a user uses a web browser running on their computer to access a merchants web page via the Internet. Once the user h...

Claims

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Application Information

Patent Timeline
24 Feb 2005
Publication
US20050044385A1
IPC
G06F21/00; G07F7/10
CPC
G06F21/34; H04L2209/56; G06F2221/2117; G06Q20/108; G06Q20/341; G06Q20/367; G06Q20/3672; G06Q20/3674
Inventors
HOLDSWORTH, JOHN