Secure authentication and transaction system and method

摘要

A secure user authentication system, operable over a client-server communications network to authenticate a system user. The system includes an application server which includes a site which is able to be enabled, and an authentication server, which is able to enable the application server site. The authentication server includes a core database, and receives and stores user authentication-enabling data in the core database. The system further includes a client, and a client program which is able to be actuated in the client. The client program includes the user authentication-enabling data. Upon actuation, the client program automatically directly connects to the authentication server, and sends the client authentication-enabling data to the authentication server, for secure user authentication by the authentication server.

主权项

1. A system for authenticating a client and an application, for enabling the user to obtain access through the authenticated client to the authenticated application, for enabling execution of an authenticated transaction comprising:
an authentication server, comprising server software; a client, able to be uniquely identified by a unique client identifier, and able to be authenticated by the authentication server; an application, comprising server software, able to be authenticated by the authentication server, and able to confirm with the authentication server that the uniquely identified client has been authenticated; and a client token, able to authenticate the uniquely identified client to the authentication server, to create a fully authenticated connection where both the client and the application have been authenticated by the authentication server.