WO2006101684A3 - User authentication and secure transaction system - Google Patents

User authentication and secure transaction system Download PDF

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Publication number
WO2006101684A3
WO2006101684A3 PCT/US2006/007173 US2006007173W WO2006101684A3 WO 2006101684 A3 WO2006101684 A3 WO 2006101684A3 US 2006007173 W US2006007173 W US 2006007173W WO 2006101684 A3 WO2006101684 A3 WO 2006101684A3
Authority
WO
WIPO (PCT)
Prior art keywords
parties
computer
user
merchant
transactions
Prior art date
Application number
PCT/US2006/007173
Other languages
French (fr)
Other versions
WO2006101684A2 (en
Inventor
Dennis Bower Lyon
Paul Gerstenberger
Bruce I Galbraith
Original Assignee
Authenticol Systems Llc
Dennis Bower Lyon
Paul Gerstenberger
Bruce I Galbraith
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Authenticol Systems Llc, Dennis Bower Lyon, Paul Gerstenberger, Bruce I Galbraith filed Critical Authenticol Systems Llc
Publication of WO2006101684A2 publication Critical patent/WO2006101684A2/en
Publication of WO2006101684A3 publication Critical patent/WO2006101684A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
    • H04L63/102—Entity profiles

Abstract

A system, method, and apparatus to minimize fraud at the user, merchant, and/or financial institution level. A control computer (60) provides authentication and/or transaction processing. The control computer (60) has access to databases comprising user, merchant, enrollment, transaction, duplicate, and fraudulent activity data. Parties may enroll in the system via an enrollment computer (50) and conduct transactions through the system via a merchant computer (70). Users are issued hardware identification keys containing an encrypted user code. Access keys can be required in addition to an authorized user key to conduct certain actions. Keys are copyprotected and can comprise a computer operating system. The hardware profile of client devices can be recorded. Parties may specify minimum and/or maximum security levels and restrict transactions. Transactions with parties can be authenticated without sending user personal data to the parties. Users can control transfer of information from their personal communication device to other devices.
PCT/US2006/007173 2005-03-17 2006-02-28 User authentication and secure transaction system WO2006101684A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US66256605P 2005-03-17 2005-03-17
US60/662,566 2005-03-17
US11/158,731 US20060212407A1 (en) 2005-03-17 2005-06-22 User authentication and secure transaction system
US11/158,731 2005-06-22

Publications (2)

Publication Number Publication Date
WO2006101684A2 WO2006101684A2 (en) 2006-09-28
WO2006101684A3 true WO2006101684A3 (en) 2007-12-06

Family

ID=37011570

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/007173 WO2006101684A2 (en) 2005-03-17 2006-02-28 User authentication and secure transaction system

Country Status (2)

Country Link
US (2) US20060212407A1 (en)
WO (1) WO2006101684A2 (en)

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