American Express Travel Related Services Company, Inc.

Sora Applications LLC

Anant Nambiar

Rick D Johnson

James M Foley

Fred Alan Bishop

David Armes

Glen Salow

David E Johnstone

Jessica Zoob

Elliot Glazer

Christina Chow

Lydia C Breck

Katie Cunningham

Jan Nunney Belt

Martin Wittwer

William Schwarz

The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Method and apparatus for enabling a user to select an authentication method

The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

System for facilitating a transaction

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New Rochelle, NY, United States of America

Anant Nambiar