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1. (WO2009134683) DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE
Latest bibliographic data on file with the International Bureau   

Pub. No.:    WO/2009/134683    International Application No.:    PCT/US2009/041620
Publication Date: 05.11.2009 International Filing Date: 24.04.2009
Chapter 2 Demand Filed:    14.08.2009    
IPC:
G06Q 20/00 (2006.01)
Applicants: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. [US/US]; 200 Vesey Street 3 World Financial Center New York, NY 10285-4900 (US) (For All Designated States Except US).
BEENAU, Blayn [US/US]; (US) (For US Only).
GRAY, William, J. [US/US]; (US) (For US Only).
LANGUS, Jeffrey, D. [US/US]; (US) (For US Only).
WHITTINGTON, David, P. [GB/GB]; (GB) (For US Only)
Inventors: BEENAU, Blayn; (US).
GRAY, William, J.; (US).
LANGUS, Jeffrey, D.; (US).
WHITTINGTON, David, P.; (GB)
Agent: SOBELMAN, Howard; Snell & Wilmer L.L.P. One Arizona Center 400 E. Van Buren Phoenix, AZ 85004-2202 (US)
Priority Data:
12/111,381 29.04.2008 US
Title (EN) DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE
(FR) AUTHENTIFICATION DE COMPTE DYNAMIQUE UTILISANT UN DISPOSITIF MOBILE
Abstract: front page image
(EN)Providing dynamic authentication of a user requesting access to a system via a mobile device is disclosed. An account holder tailors a set of customized security challenges and responses. When a request for account authentication is received from a mobile device, the system conducts a multi-step user authentication process that includes dynamically selecting and prompting the user with the custom security challenges.
(FR)L'invention concerne une authentification dynamique d'un utilisateur demandant l'accès à un système par l'intermédiaire d'un dispositif mobile. Un détenteur de compte adapte une série de questions de sécurité personnalisées et de réponses. Lorsqu'une demande d'authentification de compte est reçue depuis un dispositif mobile, le système mène un processus d'authentification d'utilisateur à plusieurs étapes qui inclut la sélection et la sollicitation de l'utilisateur avec les questions de sécurités personnalisées.
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PG, PH, PL, PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW.
African Regional Intellectual Property Organization (BW, GH, GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, SE, SI, SK, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG).
Publication Language: English (EN)
Filing Language: English (EN)