System and Method for Data and Identity Verification and Authentication

摘要

A system for verifying and authenticating the identity of a user in a transaction. The user's identity is authenticated through the user's computer, tablet computer, mobile computing device, web browser (as a web-page, or as a plug-in for the browser), or other computing device by means of a single-use, time sensitive, system-generated transaction token and user selected system PIN. The user presents the transaction token to the vendor or merchant, which forwards a request for authentication to the system. The system prompts the user to confirm the transaction and enter the PIN into the device used to generate the transaction token. Upon confirmation, the transaction is completed.

主权项

1. A computer-based method of identity authentication for a transaction, comprising:
receiving, using a processor or microprocessor in a computing device, a request from a user to generate a transaction token for use in a transaction; generating, using a processor or microprocessor, the transaction token; displaying the transaction token to the user; receiving a request to verify a transaction from a remote verification system; prompting the user to input a personal identification number or code to confirm the transaction; and sending the personal identification number or code to the remote verification system to confirm the transaction.