Patent ID: 8924310
Filing Date: 2014-12-30
Classification: G06Q,G07F

Abstract:
1. A method comprising: receiving, by a first server from a second server, an authentication request associated with a transaction and a user device, the first and second servers comprising a processor and a memory; in response to the receiving authentication request, sending, by the second server, a challenge to the first server; forwarding, by the first server to the user device, the challenge, wherein an intelligent token is configured to generate a challenge response based on the challenge and the user device is configured to send the challenge response to the first server; receiving, by the second server from the first server, the challenge response; verifying, by the second server, the intelligent token based upon the challenge response; in response to the verifying, assembling, by the second server, credentials associated with the user device, wherein the credentials comprise a key; sending, by the second server, at least a portion of the assembled credentials to the first server; receiving, by the second server from the first server, an authentication request, wherein the authentication request includes the portion of the assembled credentials; validating, by the second server, the portion of the assembled credentials with the key; and in response to the validating, sending, by the second server to the first server, an approval message for the user device, wherein in response to the approval message, the user device is allowed to proceed with the transaction.