The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 15, 2012
Filed:
Jul. 27, 2006
Michael Grandcolas, Santa Monica, CA (US);
Irina Koryakovtseva, Marlboro, NJ (US);
Jennifer Vos, Glen Head, NY (US);
Robert A. Herrig, Garrison, NY (US);
Michael Grandcolas, Santa Monica, CA (US);
Irina Koryakovtseva, Marlboro, NJ (US);
Jennifer Vos, Glen Head, NY (US);
Robert A. Herrig, Garrison, NY (US);
Citicorp Development Center, Inc., Los Angeles, CA (US);
Abstract
A computer-implemented method and system for secure user authentication in electronic commerce involves maintaining electronic information having a first aspect that is accessible over a first electronic communication channel in response to entry of a first credential known to the user and a second aspect that is accessible by the user over the first electronic communication channel in response to entry of a second credential provided to the user at a pre-registered delivery address on a second electronic communication channel. The second credential is provided to the user via the second electronic communication channel in response to entry of a pre-determined user selection during a current session of user access to the first aspect if no change has occurred in the pre-registered delivery address within a pre-determined period of time, and the user is allowed a session of access to the second aspect in response to entry of the second credential either during the current session of user access to the first aspect or during a succeeding session of user access to the first aspect.