Method for secure user and transaction authentication and risk management
US10785215B2 · kind B2 · utility
4Cited by
22References
20Claims
0Family size
Assignee
Inventor
Key dates
| Filing date | Apr 9, 2019 |
| Grant date | Sep 22, 2020 |
| Priority date | — |
| Expiry date | Apr 9, 2039 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2463/082
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
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.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.