Abstract:
The method of confirming an identity of a person who requests a financial transaction utilizes a plurality of confirmatory processes. Some of these processes include a voice responsive interactive session, an interactive electronic data session, acquiring and comparing a third set of acquired data with data from the person, and acquiring and comparing nth sets of acquiring data with data from the person. Each confirmatory process has time and cost factors associated therewith. The processes are prioritized and correlated to external factors such as the frequency of inquiry, communications channel data, the communications device, random selection criteria and sampling rate criteria. The financial transaction request is processed and cleared or rejected. Some acquired data is stored data and has a nominal cost and a substantially instantaneous. Other types of data are acquired from commercial data sources. Representative time and cost factors are utilized in order to establish a hierarchy of confirmatory processes based upon the external factors.

Description:
The present invention relates to a hierarchical authentication process and computer system for financial transactions which confirms the identity of a person seeking to execute a financial transaction utilizing time-based and cost-based hierarchical confirmatory processes. 
     BACKGROUND OF THE INVENTION 
     In an effort to expand the methods by which consumers (both individuals and businesses) purchase goods and services, merchants or vendors have added new communications channels which enable consumers to buy goods and services without personal contact with the merchant or vendor. As used herein, the term “consumer” is not limited to a person but includes any individual or entity seeking to purchase something from another. The term “merchant” or “vendor” includes individuals and entities who sell or deliver any type of good or service including informational services, data, images and entertainment services, such as radio, television, video, gaming results and gaming events, event results, etc. With the proliferation of new ways for consumers to purchase goods and services from merchants, it is increasingly difficult to authenticate the person seeking to execute a financial transaction in order to complete the purchase. 
     As an example, if a person seeks to purchase goods or services over the global computerized network, commonly called the Internet, that person may access the Internet via a personal computer, a cellular telephone (properly configured), a personal digital assistant (PDA), or other Internet enabled device. Surfing or browsing on the Internet is essentially an anonymous activity. However, the communications device selected by the person/consumer sometimes carries with it communications channel data. Once the consumer has selected the goods or services, the person may have several different types of financial instruments which permits him or her to purchase the goods or services. These financial instruments include credit cards, debit cards, checking accounts with electronic access (electronic checks), charge back systems linked to land line telephones, charge back systems linked to cellular telephones and potentially other electronic payment systems linked back to financial assets of the consumer. 
     A problem arises in clearing or authenticating the identity of the person with the requested financial transaction. It is well known that the proliferation of communications channels and the proliferation of new mechanisms to pay for goods and services results in greater identity theft, identity fraud, credit card fraud and other financial transaction fraud. If a vendor or merchant could identify the person and link that person to the financial instrument presented for the financial transaction, the merchant would be assured that the person&#39;s identity was authenticated and that the financial transaction is a valid and acceptable transaction. 
     Rather than implementing an authentication system, merchants and vendors typically contract or arrange with third parties to process financial transactions over the Internet and other electronic networks. Therefore, a particular financial transaction for a particular good or service may entail the consumer, the merchant, a third-party payment processor, and a financial institution or organization which provides the consumer&#39;s funds to the merchant based upon the completed financial transaction. Further, authentication processes are utilized by financial institutions issuing the credit cards and other financial instruments. 
     OBJECTS OF THE INVENTION 
     It is an object of the present invention to provide a hierarchical authentication process for financial transactions. 
     It is another object of the present invention to take into account time factors and cost factors in order to authenticate the identity of a person requesting a financial transaction. 
     It is another object of the present invention to provide a methodology accounting for data acquisition time, data acquisition cost, and characteristics of the requested financial transaction in order to determine the type and scope of confirmatory processes employed prior to clearance of a financial transaction as a result of confirming the identity of the person requesting the financial transaction. 
     It is another object of the present invention to utilize acquired data stored in a system and representing the person potentially seeking to execute the financial transaction and, in other instances, acquired data from commercial data sources. 
     It is a further object of the present invention to account for the time to interact with the person seeking to execute the financial transaction, the time to acquire the data and the cost associated therewith as well as a variety of external factors which bear upon the personal confirmation process. 
     SUMMARY OF THE INVENTION 
     The method of confirming an identity of a person who requests to execute a financial transaction utilizes a plurality of confirmatory processes. Some of these processes include a voice responsive interactive session with the person (comparing responsive data with first acquired data), an interactive electronic data session comparing responsive data with second acquired data, acquiring and comparing a third set of acquired data with data from the person, and acquiring and comparing nth sets of acquiring data with data from the person. Each confirmatory process has time and cost factors associated therewith. The confirmatory processes are prioritized based upon the time factors and the cost factors and are correlated to external factors such as the frequency of inquiry, charge back data, bill payment data, amount of the requested financial transaction, communications channel data associated with the financial request, the communications device selected by the person seeking to execute the financial transaction, random selection criteria and sampling rate criteria. The financial transaction request is processed with the confirmatory processes and cleared or rejected based upon the confirmatory processes. Some acquired data is stored data and hence may be considered to have a nominal cost factor and a substantially instantaneous time factor. Other types of acquired data are acquired from commercial data sources. Hence, data acquisition time and data acquisition cost become factors in confirming the identity of a person who requests the financial transaction. True data acquisition times and data acquisition costs are typically not utilized but representative or assigned times and costs are utilized in order to establish a hierarchy of confirmatory processes prior to the time of inquiry based upon the external factors for the financial transaction. More comprehensive confirmatory processes are provided dependent upon increasingly higher frequencies of inquiry, increasingly higher amounts for the financial transaction, requests for transactions which increasingly deviate from prior requested financial transactions for the person currently seeking the transaction, among other things. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       Further objects and advantages of the present invention can be found in the detailed description of the preferred embodiment when taken in conjunction with the accompanying drawings in which: 
         FIGS. 1A and 1B  diagrammatically illustrate the authentication process typically implemented as a computerized process; and 
         FIG. 2  diagrammatically illustrates a combination system diagram and an authentication process in accordance with the principles of the present invention. 
     
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT 
     The present invention relates to a hierarchical authentication and process for financial transactions. FIG.  1 A and  FIG. 1B  diagrammatically illustrate the authentication process which is typically implemented on a computer system or a plurality of computer systems linked together. Unless otherwise specified, the order of the processing steps may be changed. The following abbreviations table provides some abbreviations for term utilized herein. 
     
       
         
               
             
               
               
             
           
               
                   
               
               
                 Abbreviations Table 
               
               
                   
               
             
             
               
                   
               
             
          
           
               
                 Amt 
                 Amount 
               
               
                 ANI 
                 Automatic Number Identification (such as caller id or cell phone 
               
               
                   
                 identifier) 
               
               
                 Athen 
                 Authentication 
               
               
                 cr. cd. 
                 credit card 
               
               
                 DB 
                 database 
               
               
                 IP 
                 Interest Protocol Address 
               
               
                 math 
                 mathematic 
               
               
                 n 
                 a number (n &lt; n + 1 &lt; n + 2) 
               
               
                 neg. 
                 negative 
               
               
                 p 
                 a price or cost (p &lt; p + d1 &lt; p + d2) 
               
               
                 PDA 
                 personal digital assistant 
               
               
                 t 
                 time (t1 is shorter than t2) 
               
               
                   
               
             
          
         
       
     
     The authentication process in  FIG. 1A  begins by accepting an input from a person or a consumer in step  110 . Although the term “person” is used herein, the term is not limited to an individual but is equally applicable to any entity seeking to engage in a financial transaction. In step  110 , the person enters his or her user name, and may enter a password, and also enters a financial transaction request. The person may directly enter this information or this information may be passed to a financial transaction processor referred to above as the third-party processor. The financial transaction processor operates the authentication program. Whether directly submitted to the authentication process or transmitted through a vendor or other party, the user or consumer name and financial transaction request is obtained in step  110 . Other information may also be obtained as discussed later. This other information may include information about the communications device employed by the person seeking to process the financial transaction. Alternatively or in addition thereto, the communications device may have communications channel data associated therewith. For example, a cellular telephone typically has an ANI or automatic number identification. Another communications device, a land line telephone, typically has communications channel data represented by a telephone caller id. Other types of communications devices and communications channel data are discussed later in conjunction with FIG.  2 . 
     Returning to  FIG. 1A , the system accepts input from the person seeking to clear or engage in a financial transaction. Step  112 , in the illustrative embodiment, employs a low cost, quick time t 1  match by comparing the username and the supplied password with information from a local database DB  115 . Accept input step  110  may utilize a voice responsive system which converts voice analog information from the person into digital information (a representation of the voice data) and then compares the responsive data from the person with the acquired data from local database  115 . Voice print matching is also contemplated. One example of the acquired data would be a password previously stored for that person in local database  115 . Another example is the person&#39;s address and telephones numbers (land line and cell phone). Since local database  115  represents previously stored information in the same computer system or a closely linked computer system to the system executing authentication process  10 , the time to acquire the data is very short (substantially instantaneous) and the cost to acquire that data and compare it against the input username and input password is also quite low, virtually nominal. Other distributed computer systems may have a time factor due to communications bandwidth time factor or other equipment delay issues. If a match occurs, the system clears authentication level  1  at step  112  and the YES branch is taken to step  114 . If the person seeking to conduct the financial transaction does not clear level  1  and step  112 , the NO branch is taken. The NO branch leads to either a rejection of the transaction (terminating the communications channel and session request) or, as explained later, results in a negative score assigned to the financial transaction request. If a negative score is assigned, the system continues to the next level. As stated earlier, the system operator can rearrange the sequence of financial clearance and personal authentication levels  1 - 9  as appropriate. At authentication level  2 , step  114 , the system executes a mid-level cost but a quick time search to determine whether responsive data input either via voice or electronically by the user results in a match or rejection. In step  114 , the system contacts and acquires a low cost database  117 . Additional interaction with the person seeking to process the financial transaction may be included in step  114 . In other words, the person seeking the financial transaction may be required to complete a user profile prior to input step  110  or, alternatively, the system executing authentication process  10  can interact at repeated levels  1 - 9  with the person seeking the financial transaction in order to determine whether the person is genuine and has authority to initiate the financial transaction. The input step  110  may be used at many authentication level  1 - 9 . The following Local Database Table identifies typical fields or data stored in the local database. 
     
       
         
               
             
           
               
                   
               
               
                 Local Database Table 
               
               
                   
               
             
             
               
                 user name 
               
               
                 address 
               
               
                 personal data 
               
               
                 business data 
               
               
                 password 
               
               
                 shared secret word, phrase code 
               
               
                 user&#39;s historic transaction data 
               
               
                   
               
             
          
         
       
     
     If the inquiring person&#39;s responsive data does not match the acquire data from low cost database  117 , in step  114 , the NO branch is taken and the person&#39;s request is either rejected or a negative value is assigned to the transaction. If the YES branch is taken, the system executes step  116  which determines whether the requested financial transaction is time critical. 
     It should be appreciated that the authentication process described herein may be implemented for very simple transactions, for example, those transactions representing less than $20.00 implemented over the Internet when the inquiring party seeks to close a financial transaction with the use of a credit card. Alternatively, the authentication process presented herein could be utilized for more complex transaction such as purchases involving large amounts of money and electronic debits accessed against the person&#39;s bank account. Further, different transactions have different “expectation times” associated therewith. The expectation time for a person seeking to making a $20.00 credit card transaction over the Internet is much shorter than a person seeking to place a $2,000.00 bid for goods or services in an electronic auction. In other words, the higher the value of the financial transaction, the greater the amount of time the person seeking to clear the transaction will accept an authentication process to authenticate the person&#39;s identify and the veracity of the financial instrument sought to be utilized in the transaction. Additionally, people are willing to wait (a long expectation time) to clear financial transactions when they understand that their current financial transaction is significantly different in frequency or in time or in location compared with other financial transactions for that financial instrument. For example, a person typically living in the U.S. and utilizing a particular credit card would not be surprised if, during a trip overseas, that person was requested to identify personal identifying information previously stored by the credit card company prior to closing a financial transaction at an overseas location. Contrariwise with respect to an electronic auction, the time expectation may be short due to the short time to place a bid on line. Hence, the expectation time is a factor in prioritizing the authentication process. Expectation time is based upon the type of financial transaction. 
     Some financial transactions must be closed quickly in order to facilitate the purchase. Step  116  recognizes that some transactions are time critical whereas other transactions are not so time critical. If the transaction is time critical, the YES branch is taken and the system jumps to step  120 . If not, the system takes the NO branch from step  116  and executes step  118 . The time critical decision step may be after input  110 . Step  118  recognizes that the time of the financial transaction may deviate from typical times associated with that person in the local database  1115 . For example with respect to gaming entertainment, the database may have data historically indicating that a person engaged in many transactions between the hours of 6:00 PM and 11:00 PM, Monday through Friday. Local database  115  stores a historic analysis regarding financial transactions for the person including amount, frequency, time of day and day of week instances, amount other data. If the time factor for the gaming entertainment is significantly different or deviant from other time factors for similar transactions, as indicated in store data record  115 , step  118  may engage a call center  119  to interact in a question and answer session with the person seeking to clear the financial transaction. The call center is typically a telephone call center wherein an operator would utilize telephone  121  and discuss certain information with the person such as a shared secret stored in local database  115 . The shared secret is somewhat different than the password in that the shared secret is not typically input by the person at the initiation of the authentication process. Typical shared secrets are the maiden name of the mother of the person holding the credit card. 
     If the person does not provide the proper confirming information or responsive data to the operator at call center  119 , the NO branch is taken from step  118  and a rejection or negative score is assigned to the financial transaction. 
     It will be appreciated that the utilization of call center  119  has a high time factor and a high cost factor associated therewith relative to the electronic utilization of local database  115 . 
     If the person passes level  3 , the YES outcome of step  118 , step  120  determines whether the requested financial transaction matches a higher cost and potentially different data acquisition time period than discussed earlier. At authentication level  4 , step  120  accesses telephone database  123 . Telephone database  123  results in a charge to the system operator of authentication process  10  of some amount, that is, a cost to obtain the data. In the illustrated embodiment, a 10 cent charge per inquiry is assessed for that a acquired data. Further, step  120  recognizes that the authentication process acquires the data from a non-system source or a commercial data source. The commercial data source in this instance is the local, regional or national telephone company. If the responsive data from the person matches the acquired data from this commercial data source, the YES branch is taken from step  120 , level  4 , and the system executes step  124  or level  5 . The NO branch from step  120  results in a rejection or a negative score. 
     In step  124 , a higher cost database is accessed and further the access time to acquire that data is longer than the access time at level  4 . Step  124  acquires data from database  127  indicated as line information database DB 1 . The Line Information Database Table set forth below identifies some data which can be purchased from the telephone company. 
     
       
         
               
             
           
               
                   
               
               
                 Line Information Database Table 
               
               
                   
               
             
             
               
                 Telephone line pairing, listed name with unlisted number 
               
               
                 Name and group of phone numbers (related numbers) 
               
               
                 record 50 
               
               
                 Number of charge backs (bill disputes record) 
               
               
                 Amount of charge backs 
               
               
                 Frequency of charge backs 
               
               
                   
               
             
          
         
       
     
     For example, the authentication process may request whether the land line telephone which is currently used by the person seeking to clear the financial transaction is paired with another listed name or with an unlisted number. The pairing with listed name is checked against local database  115  to determine whether the person on that line is an “authentic” person in local database  115 . In this sense, the caller id is the communications channel data which is supplied to authentication system  10  based upon the communications device utilized by the person entering the authentication process. Although not directly supplied by the person, the communications channel data is associated with the person upon making the inquiry into the authentication process  10 . The Line Information Database Table available from the telephone company may include the name and group of phone numbers or related phone numbers, record  50  which is an indication of the number of charge backs or bill dispute records for a person including the number of times such charge backs were made, the amount of charge backs or both. The NO branch from step  124  leads to a rejection or a negative score whereas the YES branch passes the person from authentication level  5  to the next step  126  in FIG.,  1 B via jump point A- 1 . Step  126  implements an incrementally higher cost database. This incrementally higher cost database is represented by commercial database DB 2  and is priced p+d 2 . Access to DB 1  costs p and access to DB 2  costs p+d 2 . Commercial database DB 2  or database  131  represents other commercial data sources such as companies that mine publicly available data and pair that publicly available data with other captured data such as linking telephone numbers, white page directory information, yellow page directory information with Federal Express shipping data, etc. As with the earlier levels, the NO branch from step  126  leads to a rejection or a negative score and the YES branch leads to authentication level  7  and step  130 . 
     Step  130  is the next level higher data acquisition and cost matching step n+1. Step  130  accesses credit card clearing housing database  133  or DB 3 . Credit card clearinghouse database is costly as represented by cost charge p+d 3  which is larger than the charge to access and acquire the data from commercial database DB 2 . However, the credit card clearinghouse database DB 3  provides charge approval records and billing address records to the authentication process. For example, the authentication system operator may request whether DB 3  has a John Doe with social security number XXY-Z42 and DB 3  may answer YES or NO. This is a low cost but high time factor inquiry. The YES branch from step  130  leads to step  134  which is the n+2 higher cost match authentication level  8 . Step  134  accesses a credit card history DB  4  or database  135 . The cost and the time to access credit card history database  135  is higher than the previous levels  6  and  7  because the price is p+d3 and the access time to obtain that data is t 1 . T 1  is greater than the access time to initially access credit clearinghouse data from DB 3 . The NO branch from step  134  leads to a rejection or a negative score whereas the YES branch leads to authentication level  9 . Step  136  or authentication level  9  is the next higher cost level n+3 which returns to credit card history database  135  and obtains the full credit history. There is a higher cost for this credit card history for the inquiry party p+d 4  and it takes a longer time to acquire this data as indicated by t 2 . The YES decision output from step  136  results in execution of step  140 . 
     Step  140  determines whether there is a match or a confirmation of a number of the earlier authentication levels. For example in the illustrated embodiment, if the person seeking to engage in the financial transaction matches any 4 out of the 9 authentication levels, his or her financial transaction may be approved. The YES branch from decision step  140  leads to a recognition that the identity is authenticated in step  142 . The NO branch from decision  140  leads to a manual authentication step  143 . This manual identification step may include the use of the call center  119  or a detective or other non-computerized methodology. Of course, the simplistic presentation of authentication levels  1 - 9  discussed above is further complicated by associating greater weights to the quality of information obtained from the acquired data and the number of positive hits or confirming instances from the person seeking to clear the financial transaction with the acquired data or the previously stored data. 
     The Credit Card History Inquiry Table below provides some indication of a low cost inquiry to a credit history database  135  from step  134 . 
     
       
         
               
             
               
               
             
           
               
                   
               
               
                 Credit Card History Inquiry Table 
               
               
                   
               
             
             
               
                   
               
             
          
           
               
                   
                 1 st  Level 
               
               
                   
                 Do you have a M. Smith at Elm Street? 
               
               
                   
                 Answer Yes/No 
               
               
                   
                 2 nd  Level 
               
               
                   
                 Credit history M. Smith with S.S. No. a3K7 
               
               
                   
                   
               
             
          
         
       
     
     Step  146  utilizes common credit scoring techniques to determine whether the currently proposed financial transaction is within the typical norms. For example, credit scoring processes monitor the amount requested, the frequency or utilization of the financial instrument, the average amount for that financial instrument in the past, moving averages, various algorithms and mathematic and logic devices to determine the authenticity of the financial instrument presented (the credit card or debit card or electronic check) against known parameters or data stored in the system (low cost and low time factor data) as well as data acquired through outside databases (telephone database  123 , line information database  127 , commercial database  131 , credit clearinghouse database  133 , and credit history database  135 ). Step  150  rates financial transaction, approves or disapproves the transaction and generates a result to the merchant and also typically to the consumer or prospective purchaser. 
     As stated earlier, authentication steps  1 - 9  may be reorganized in any sequence dependent upon external factors of the financial transaction and/or the expectation time of the person seeking to clear the financial transaction, the cost of data acquisition and the charge assessed by the system operator of the authentication process to the consumer. A person seeking to clear a large financial transaction may be willing to pay higher processing charges to the system operator for the authentication process and hence the utilization of commercial databases  131 ,  133  and  135  may be more acceptable to the system operator if access to this data and acquisition of this data is within the expectancy time and the processing fee assessed to the person seeking to close the financial transaction. 
       FIG. 2  diagrammatically illustrates both the system and high level processes for the authentication process. The person seeking to engage in the financial transaction may access the authentication process from various communication devices. The devices include, among others, cellular telephone  160 , land line telephone  162 , computer  164 , laptop  166 , palm pilot or personal data assistant  168 , or an Internet cafe  170 . Cell phone  160  may have an assigned number identifier ANI. Land line telephone  162  may also have an ANI, sometimes called a caller id. Computer  164  may have a static Internet protocol or IP address if the computer dials in directly into a telephone system. Alternatively, computer  164  may go through the Internet  172  in which case the computer  164  would be identified with a dynamic IP address. Laptop  166  may also access the authentication process  10  via Internet  172 . Palm pilot or PDA  168  accesses the program via Internet  172 . The person in an Internet cafe  170  would access the computer via Internet  172  and this would be assigned dynamic IP address. The authentication process, when utilized in conjunction with a dynamic IP address, would request certain biometric or personal characteristics of the person seeking to engage in the financial transaction. This is recognized as element  174 . In this manner, the person&#39;s communications device may have identifying information, called “machine biometric” and this has an impact on the selection of the authentication processes utilized (authentication levels  1 - 9 ). Further, the communications device sometimes has associated therewith a communications channel data which assists or hinders the authentication of the person. ANI assists the authentication process but the dynamic IP address hinders the process. Further, computers  164 ,  166  and PDA  168  may contain cookies establishing that the person at the computer has visited vendors or other computer programs subject to authentication process in the past and the authentication process can gather that communications channel data from those computers or the PDA. Cookies are communication channel data. 
     Step  180  recognizes that the user inputs either via voice or electronically his or her name, password and request for financial transaction clearance. Step  182  recognizes that the authentication process may include some human biometric testing. Stress analysis on the voice is possible. In an advanced system, a biometric test would monitor the voice of the person and analyze that voice against a stored voice print. The stored voice print could be a local database  115  or low price database  117 . Other personal biometric tests are possible such as utilizing the image of the person captured on computer  164  against an image stored in a local database or other database. Other biometric information may be obtained from the person seeking to conduct the financial transaction such as a fingerprint. The fingerprint would be electronically converted and submitted and compared against acquired or stored data. Step  184  recognizes that the machine utilized by the person has some unique characteristics. Hence, the machine is subject to a “machine biometric” test. The biometric for the cell phone  160  is the ANI. The biometric test for the land line telephone  162  is the caller id. Further, the caller ids can be matched against related call numbers and telephones as explained above in connection with telephone database  123 . Similarly, static IP addresses for the computers can be matched against previously stored data in local database  115  or data obtained from telephone company in telephone database  123  or line info database DB 1 . 
     Step  186  recognizes that the authentication process utilizes a credit scoring system. This credit scoring system can be configured as a filter which accepts or rejects the financial transaction. Alternately, the filter can implement additional authentication processes while eliminating other authentication processes. These authentication processes are generally identified above as authentication levels  1 - 9 . Credit score filter  186  considers the amount of the transaction, the frequency of the transaction within a certain time frame, the prior history of the person seeking the financial transactions and utilizes various algorithms both mathematic and logical. 
     Step  190  assigns a level of authentication and implements one or more authentication tests  1 - 9  in a predetermined and prioritized manner based upon external data such as the communications device, type of transaction, amount, frequency, channel data, etc. The priority of authentication levels  1 - 9  can be reorganized based upon the communication device utilized by the person, based upon the machine biometric test and based upon the human biometric test. These plus other external factors such as frequency of inquiry, previously acquired data, amount of financial transaction currently requested, random test selection criteria, sampling rate criteria, charge back data, bill payment data, etc., may determine (a) the number of authentication levels; and (b) which authentication levels are executed before other authentication levels. Essentially, the system operator for authentication process  10  establishes a matrices which takes into account external factors and machine biometric testing and human biometric testing as well as cost factors and time factors for the financial transaction and consumer expectation times for the timing of the transaction and this authentication process is executed pursuant to that matrix. Typically upon the initial inquiry, the selection of processes  1 - 9  and sequence of execution are fixed upon the initial inquiry based upon external factors. Further and in addition thereto, a rejection at one of the authentication levels may change the initial authentication sequence and may trigger the utilization of other authentication processes. Step  192  executes the hierarchical authentication process. Step  194  recognizes that rather than reject the inquiry, it may be more commercially acceptable to score the inquiry at each authentication level. Step  196  determines whether the score is accepted or not, the NO branch will leads to a rejection or an increase in the authentication testing in step  198  and returns to a point preceding step  190 , assigning the level of authentication. A YES branch leads to an approval step  200  which approves and clears the financial transaction. 
     If the authentication process  10  is implemented by a third-party processor, that third-party process may not handle the money but may simply pass on an approval or a rejection indicator to the merchant or other vendor or person. 
     The claims appended hereto are meant to cover modifications and changes within the scope and spirit of the present invention.