Patent ID: 9716691
Date: 2017-07-25
CPC Classifications: G06F,H04L

Claim:
1. A method of operating a security server to perform query transactions via a network, comprising: receiving, at the security server from a user network device via the network, a request of a user to activate a secure communications channel over the network between the user network device and the security server, the request including an identifying number for the user network device; transmitting, by the security server in response to the received activation request, an activation code for delivery to the user via another network; receiving, at the security server from the user network device via the network, an activation code; comparing, at the security server, the received activation code with the transmitted activation code to validate the received activation code; activating the secure communications channel based on the validation of the received activation code, wherein the activated secure communications channel is a channel in which data is encrypted based on the validated received activation code, wherein activating the secure communications channel is staggered, with the user network device notified that it is quasi-activated prior to transmission of the activation code by the security server, with the transmission of the activation code by the security server for delivery to the user network device delayed after the request of a user to activate a secure communications channel until a transaction with an enterprise is desired, by the enterprise sending the identifying number for the user network device to the security server, with the security server then transmitting an activation code for delivery to the user network device; receiving, at the security server from an enterprise network, which is also represented on the network, a query including a question for the user, wherein the correct answer to the question has been previously agreed to by the user and the enterprise; transmitting, from the security server to the user network device via the secure communications channel, the received enterprise query; receiving, at the security server from the user network device via the secure communications channel, a user answer to the transmitted enterprise query; and transmitting the received user answer, from the security server to the enterprise to further authenticate the user to the enterprise.