Methods and systems for authenticating users

A method of authenticating users to reduce transaction risks includes indicating a desire to conduct a transaction, inputting information in a workstation, and determining whether the inputted information is known. Moreover, the method includes determining a state of a communications device when the...

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Bibliographic Details
Main Authors STEINER, CHET BRADFORD, CRAMER, JASON SCOTT, WHITE, CONOR ROBERT, PEIRCE, MICHAEL, DIEBES, SUZANNA
Format Patent
LanguageEnglish
French
German
Published 28.09.2011
Subjects
CALCULATING
COMPUTING
COUNTING
ELECTRIC DIGITAL DATA PROCESSING
PHYSICS
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Summary:A method of authenticating users to reduce transaction risks includes indicating a desire to conduct a transaction, inputting information in a workstation, and determining whether the inputted information is known. Moreover, the method includes determining a state of a communications device when the inputted information is known, and transmitting a biometric authentication request from a server to an authentication system when the state of the communications device is enrolled. Additionally, the method includes obtaining biometric authentication data in accordance with a biometric authentication data capture request with the communications device, biometrically authenticating the user, generating a one-time pass-phrase and storing the one-time pass-phrase on the authentication system when the user is authenticated, comparing the transmitted one-time pass-phrase against the stored one-time pass-phrase, and conducting the transaction when the transmitted and stored one-time pass-phrases match.
Bibliography:Application Number: EP20110157870