Patent ID: 7827115
Filing Date: 2010-11-02
Classification: G06Q,G07F

Abstract:
1. A method wherein an account issuer authenticates, for the benefit of a third party, that a customer using an account during an online transaction with said third party is the actual owner of said account, said third party desiring verification as to the identity of said customer before proceeding with said online transaction with said customer, said method comprising: receiving, by said issuer, authentication information concerning said customer; verifying, by said issuer during a registration process, the identity of said customer as the owner of said account and associating a designated password with said account; receiving a verify enrollment request message at an access control server operated by said issuer during said online transaction as to whether said customer account is registered; sending a verify enrollment response message back to said third party indicating that said customer account is registered; receiving an authentication request message at said access control server from said third party during said online transaction, said message requesting verification of the identity of said customer, said authentication request message being routed via an Internet browser of a computer of said customer and being sent after said verify enrollment response message; requesting over a network, by said issuer from said customer during said online transaction, of an identity-authenticating password; verifying, by said issuer, that said identity-authenticating password from said customer matches said password previously designated for said account; and notifying said third party over said network during said online transaction, by said issuer, that said customer is the actual owner of said account when said identity-authenticating password entered by said customer matches the password that was previously designated for said account, said notifying being routed via said Internet browser of said computer of said customer, whereby said issuer authenticates said customer for said third party during said online transaction.