Verification engine for user authentication
US8316418B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Sep 12, 2011 |
| Grant date | Nov 20, 2012 |
| Priority date | — |
| Expiry date | Sep 12, 2031 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06F2221/2103
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Computer-implemented system and methods for authenticating the identity of a person, for example a customer (1) of an E-Commerce web site (15). The web site or other verification “client” (110) contacts a verification engine (10, 100) (“Authentex”), which may be implemented as a web server (604). The verification engine (10), in turn, has limited access to a plurality of independent, third-party secure databases (21, 112) which are maintained by Trusted Validators (3, 610, 620, etc), which are entities such as banks that have a pre-existing relationship with customer (FIG. 4), and due to that relationship, acquire and maintain “out-of-wallet” data (4) that may be useful to authenticate the identity of the customer. That confidential customer data—held by the third-party “Trusted Validators”—is not disclosed.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.