Patent ID: 9021254
Filing Date: 2015-04-28
Classification: G06F,G06Q,H04L

Abstract:
1. A computer network system for defending online users against fraudsters and malicious websites, comprising: a network server for shielding a variety of online users from fraudsters and malicious websites, comprising software instructions for a centralized software-as-a-service (SaaS) to: respond to network requests from user devices operating variously under at least one operating systems; generate and distribute a corresponding trusted root certificate memory recording and personal identification number (PIN) on enrollment of each one of said user devices; investigate, survey, and watch websites that have been reported by their corresponding URL's as having been used by, or are presently being visited by, or that are predetermined as likely to be visited by any one of said user devices; and maintain a trusted network database of website URL's calculated to belong to financial websites that can be trusted and present acceptable levels of fraud and financial risk to its visitors; and a user device application for shielding a particular online user from fraudsters and malicious websites, comprising downloadable software instructions for enabling a user device having a communications network interface and operating under at least one operating system to: obtain and store a trusted root certificate memory recording and a personal identification number (PIN) from the SaaS; construct a password manager as an interactive graphic on a screen, and that requires said PIN from said user in order to thereafter automatically supply conforming passwords to a trusted websites; construct a safe search engine able to interact with said user and to calculate confidence scores for each search result displayed to the user; and render on-screen a services suite as a graphical user interface (GUI) visually arranged in a dashboard configuration for automated user access to a limited set of services electronically represented as a bulletin-board of developing collection of posters, and constructed to offer the user a diversity of interrelated products and services; manage a plurality of passwords corresponding to financial websites subscribed to by a user and to provide them automatically to any website URL recognized in the trusted network database; and limit browser navigation by a user visiting a financial website the trusted network database to functioning solely through a secure view browser; wherein, said trusted root certificate memory recording and PIN establish two security factors embedded within for user authentication protocols over the communications network interface; wherein users can be prevented from accessing potentially malicious websites.