Patent ID: 9137241
Filing Date: 2015-09-15
Classification: G06F,H04L

Abstract:
1. A method for securing a transaction by a user comprising: providing a subscriber unit having a processor, a memory, and a display, providing a credential information manager having a processor and a memory, storing a cyber identifier associated with the user in said credential information manager memory, wherein said cyber identifier comprises a username and subscriber information; storing said subscriber information associated with the user in said credential information manager memory; providing a transaction service provider having a processor and a memory, transmitting a request for a transaction from said subscriber unit to said transaction service provider; creating, by said transaction service provider based on said transaction request, a first transaction identifier; authenticating, by said credential information manager, a first subscriber identifier associated with the user received by said credential information manager from said subscriber unit with a second subscriber identifier associated with the user stored in said credential information manager memory; verifying, by transaction service provider, a second transaction identifier based on said transaction request received by said transaction service provider from said credential information manager with said first transaction identifier based on said transaction request; transmitting, from said credential information manager to said transaction service provider, said cyber identifier stored in said credential information manager memory; transmitting, from said credential information manager to said transaction service provider, said subscriber information stored in said credential information manager memory; transmitting a transaction authorization from said credential information manager to said transaction service provider; and transmitting a password from said subscriber unit to said transaction service provider; wherein said password is never transmitted to said credential information manager and wherein said cyber identifier is never transmitted to said subscriber unit; and wherein said subscriber information is never transmitted to said transaction service provider by said subscriber unit.