Methods, apparatus and systems for securing user-associated passwords used for identity authentication
US8949616B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 13, 2011 |
| Grant date | Feb 3, 2015 |
| Priority date | — |
| Expiry date | Sep 13, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L63/083
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Methods, apparatus and systems for securing user-associated passwords used in transactions are disclosed. The methods include a user computing device receiving a user-associated password such as a PIN from a user, where the user-associated password is operable to authenticate an identity of a user. The user-associated password may be received in response to the user receiving a request for the user-associated password from a third party such as a merchant. The user computing device may generate a temporary password such as a one-time password, dynamic password, or the like, and encrypt the user-associated password using the temporary password. The encrypted user-associated password may then be communicated to the third party in lieu of the user-associated password received by the user.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.