Patent ID: 8826401

Claim:
A method for securing a transaction among a user, a transaction service provider having a processor and a memory, and a credential information manager having a memory and a processor, the credential information manager configured to store a cyber identifier associated with the user, store and authenticate a subscriber identifier associated with the user, store subscriber information associated with the user, transmit a request for verification to the transaction service provider, transmit a transaction identifier to the transaction service provider for verification, receive a verification request result message from the transaction service provider, and transmit the cyber identifier, the subscriber information, and the transaction authorization to the transaction service provider, the method comprising: providing a subscriber unit having a processor, a memory, and a display, wherein said subscriber unit is configured to accept user input, transmitting a request for a transaction from said subscriber unit to the transaction service provider; receiving, by said subscriber unit, a transaction identifier transmitted from the transaction service provider; transmitting a request for authentication from said subscriber unit to the credential information manager; transmitting said transaction identifier from said subscriber unit to the credential information manager; transmitting a subscriber identifier and a cyber identifier associated with the user from said subscriber unit to the credential information manager, wherein said cyber identifier comprises a username and subscriber information; and transmitting a password from said subscriber unit to the transaction service provider; wherein said password is never transmitted to the credential information manager and wherein said cyber identifier is never transmitted to said subscriber unit; and wherein said subscriber information is never transmitted to the transaction service provider by said subscriber unit.