| Authernative, Inc. Patent applications |
| Patent application number | Title | Published |
|---|
| 20110197070 | SYSTEM AND METHOD FOR IN- AND OUT-OF-BAND MULTI-FACTOR SERVER-TO-USER AUTHENTICATION - A method to authenticate a server to a client is provided, including in-band and out-of-band techniques. At least a first shared secret identifies a server path, including a plurality of pre-defined locations on a frame of reference (e.g. a grid). An authentication session is initiated upon receiving a client identifier at the server-side resources. A current session instance of the grid is presented to the client, populated with characters. The process includes sharing between the client and the server a challenge identifying a random subset of the plurality of predefined locations in the server path, and a response including characters that match the characters in the locations on the server path identified by the challenge. As a result, client is capable of verifying that the server has access to the first shared secret. Then a protocol is executed to authenticate the client to the server. | 08-11-2011 |
| 20110137975 | SECURE PROFILING METHOD PROVIDING PRIVACY IN SOCIAL NETWORKING SYSTEMS - The present invention includes devices and methods for enabling private and secure data collection by profile servers relating to users that are associated with a profiling user in a social networking system. Particular aspects of the present invention are described in the claims, specification and drawings. | 06-09-2011 |
| 20110035294 | MULTI-TIER TRANSACTION PROCESSING METHOD AND PAYMENT SYSTEM IN M- AND E- COMMERCE - A server executes a protocol that automates transactions involving a customer and a merchant agreeing to trade money in the customer's account for goods or services available from the merchant. The protocol protects personal identifying information of the customer from disclosure to the merchant, and protects all parties from repudiation of the specific transaction. The protocol defines a pre-authenticated form of the specific transaction; obtains authorization from the customer and the merchant to commit on their behalf to the pre-authenticated transaction; and obtains authorization from the bank to commit resources for settlement with the merchant. After obtaining authorizations, a transaction clearance code is generated completing a record of the pre-authenticated transaction for non-repudiation, for proof of a right to receive settlement from the third party and for proof of a right to receive the goods or services from the merchant. | 02-10-2011 |
