Secure online transaction system and method

US7949603B1 · kind B1 · utility

Assignee

• Trend Micro Incorporated · JP

Inventors

• Guangqi Cao · Nanjing, CN
• Xiang Yuan · Beijing, CN
• Yi Zhou · 安丰镇, CN

Key dates

• Filing date: May 23, 2006
• Grant date: May 24, 2011
• Expiry date: May 8, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In one embodiment, an online financial account has an associated telephone registered to the account. The financial account may be accessed over a computer network, such as the Internet. Upon receipt of a request to access the account, a text message containing a dynamic password is forwarded to the telephone over a telephone network. The user trying to access the account may use the telephone to reply to the text message with another text message that includes the dynamic password. The request to access the account may be granted if the reply includes a portion that corresponds to the dynamic password.