Method for secure user and transaction authentication and risk management

摘要

To provide a user signature on a network transaction, a security server receives transaction information representing a transaction between a network user and a network site, such as a website, directly from the network site. The security server calculates a one-time-password based on the received transaction information and a secret shared by the security server and the network site, but not by the user. The security server transmits the calculated one-time-password for application as the user's signature on the transaction. The one-time-password is independently calculable by the network site based on the shared secret.

主权项

1. A method of providing a user signature on a network transaction, comprising:
receiving, by a security server directly from a network site, transaction information representing a transaction between a network user and a network site; calculating, by the security server, a one-time-password based on (i) the received transaction information and (ii) a secret shared by the security server and the network site, but not by the user, wherein the one-time-password is independently calculable by the network site based on the shared secret and the transaction information; and transmitting, by the security server, the calculated one-time-password for application as the user's signature on the transaction and verification by the network site; wherein the calculated one-time-password is transmitted, by the security server to one user network device, for presentation on a window displayed by that user network device and entry by the user onto a network page associated with the network site and displayed on another user network device.