Patent ID: 8019691

Claim:
A method involving a presenter, a trusted party using a trusted party computer, and an acceptor for enrolling said presenter and for validating submitted profile data of said presenter during an on-line transaction, said method comprising: receiving, by said trusted party via the trusted party computer during an enrollment process, profile data and enrollment data from said presenter, said trusted party being an issuer of an account to said presenter and said presenter having transmitted said profile data to said trusted party; verifying, by said trusted party during said enrollment process using said enrollment data, the identity of said presenter and associating authentication data with said presenter; communicating said authentication data between said trusted party and said presenter during said enrollment process, said authentication data being known only to said trusted party and to said presenter; receiving said submitted profile data at said trusted party computer from said acceptor during said on-line transaction after said enrollment process, said submitted profile data being received by said acceptor from said presenter during said on-line transaction, said submitted profile data being sent to said trusted party computer from said acceptor via a computer of said presenter; comparing said submitted profile data against said profile data stored by said trusted party; receiving, at said trusted party computer, submitted authentication data from said presenter during said on-line transaction; authenticating, by said trusted party computer, said presenter by comparing said submitted authentication data received from said presenter with said authentication data; validating, by said trusted party, said submitted profile data using results of said comparing and results of said authenticating; notifying said acceptor by said trusted party that said submitted profile data of said presenter is either authentic or erroneous, during said on-line transaction and in real time, whereby said trusted party validates said submitted profile data of said presenter for the benefit of said acceptor.