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
US20050044385A1Inactive Publication Date: 2005-02-24U S ENCODE CORP
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Patent Information

Authority / Receiving Office
US ¡ United States
Patent Type
Applications(United States)
Current Assignee / Owner
U S ENCODE CORP
Publication Date
2005-02-24
Estimated Expiration
Not applicable ¡ inactive patent

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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.
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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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