Method and system for managing account information

Details Method and system for managing account information Method and system for managing account information

2011-07-19

2011-07-19

Kramer, James A (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

Reexamination Certificate

active

07983979

ABSTRACT:
A method and system for authenticating the identity of a consumer is disclosed. After the consumer is authenticated by a trusted third party, the consumer designates accounts that the consumer wishes to “lock.” When a party requests access to that account, the consumer is notified through the consumer's phone and asked to input a PIN. If the consumer provides the PIN, the requestor is granted access to the consumer's account without requiring further input from the consumer. If the party authorizing the transaction in this “two-factor” authentication does not possess both the phone and the consumer's PIN, or that party elects not to provide the PIN, the request will not be authenticated.

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