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1. (WO2010082960) MULTI-FACTOR AUTHORIZATION SYSTEM AND METHOD
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2010/082960 International Application No.: PCT/US2009/056276
Publication Date: 22.07.2010 International Filing Date: 08.09.2009
IPC:
G06Q 20/00 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
Applicants:
OBOPAY, INC. [US/US]; 275 Shoreline Drive Suite 400 Redwood City, CA 94065, US (AllExceptUS)
THOMAS, Ajit [US/US]; US (UsOnly)
ROBINSON, Rodney [US/US]; US (UsOnly)
TUMMINARO, John, Michael [US/US]; US (UsOnly)
TUMMINARO, John [US/US]; US (UsOnly)
Inventors:
THOMAS, Ajit; US
ROBINSON, Rodney; US
TUMMINARO, John, Michael; US
TUMMINARO, John; US
Agent:
EAKIN, James, E.; Law Offices of James E. Eakin, APC P.O. Box 1250 Menlo Park, CA 94026, US
Priority Data:
12/470,48221.05.2009US
61/095,29008.09.2008US
Title (EN) MULTI-FACTOR AUTHORIZATION SYSTEM AND METHOD
(FR) SYSTÈME ET PROCÉDÉ D'AUTORISATION MULTIFACTORIELLE
Abstract:
(EN) Method and system for authenticating the identity of a party to a transaction being executing over wired or wireless networks, using a personal device. A transaction system is adapted to receive messages over a network from a connected device, where the messages are intended to initiate a transaction. The system comprises authentication rules and an associated engine for identifying the type of transaction and, for each type of transaction, whether MFA is required. If so, the necessary MFA attributes are requested, thus permitting completion of the transaction in a comparatively secure manner and also permitting management of the accounts associated with the party.
(FR) On décrit un procédé et un système d'authentification de l'identité d'une partie dans une transaction en cours d'exécution via des réseaux filaires ou sans fil à l'aide d'un dispositif personnel. Un système de transaction est prévu pour recevoir sur un réseau des messages émanant d'un dispositif connecté, lesdits messages visant à amorcer une transaction. Le système comporte des règles d'authentification et un moteur associé servant à identifier le type de la transaction et, pour chaque type de transaction, à déterminer si une autorisation multifactorielle (multi-factor authorization, MFA) est nécessaire. Si c'est le cas, les attributs nécessaires à la MFA sont demandés, permettant ainsi de mener à bien la transaction de manière relativement sécurisée et permettant également la gestion des comptes associés à la partie en question.
front page image
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CL, 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, PE, 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 (ARIPO) (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, SM, 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)
Also published as:
EP2344994IN2168/DELNP/2011