Seeding challenges for payment transactions
US8380629B2 · kind B2 · utility
25Cited by
67References
24Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Jun 16, 2008 |
| Grant date | Feb 19, 2013 |
| Priority date | — |
| Expiry date | Jan 27, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/12
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.