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 or attempt to access a restricted resource. 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 and/or biometric information. 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 and/or provide biometric information through the device used to generate the transaction token. Upon confirmation, the transaction is completed or access to the restricted resource is allowed.

主权项

1. A computer-based method of identity authentication for access to a restricted resource, comprising the steps of:
receiving, using a processor or microprocessor in a computing device, a request from a user to access a restricted resource; prompting the user to input a personal identification number or code or biometric information, or combinations thereof, to confirm the access request; sending a request to verify the personal identification number or code or biometric information to a remote verification system; receiving, using the processor or microprocessor in the computing device, a transaction token generated upon receipt of verification of the personal identification number or code or biometric information from the remote verification system.