Patent ID: 7707120
Filing Date: 2010-04-27
Classification: G06Q,G07F,H04L,Y04S

Abstract:
1. A method by which a trusted party computer authenticates the identity of an account holder during a transaction between said account holder and a requesting party computer, said method comprising: establishing an online, Internet communication connection between said requesting party computer and an Internet-capable mobile device of said account holder in order to conduct said transaction; creating a condensed authentication request message at said requesting party computer; transmitting said condensed authentication request message to said trusted party computer via said mobile device of said account holder; verifying the identity of said account holder by said trusted party computer using an identity-authenticating token received from said account holder; creating a condensed authentication response message at said trusted party computer; transmitting said condensed authentication response message to said requesting party computer via said mobile device of said account holder; and validating, by said requesting party computer, that said condensed authentication response message indicates that the identity of said account holder is authenticated, whereby the identity of said account holder is authenticated by said trusted party computer for said requesting party computer.