Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2011-03-01
2011-03-01
Worjloh, Jalatee (Department: 3685)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S064000, C705S075000, C705S078000, C713S185000, C726S009000, C726S010000
Reexamination Certificate
active
07899753
ABSTRACT:
The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the token counter being synchronized to a base counter that generates an authenticating value; transforming the token value into a token output sequence using logic; and outputting at least part of the token output sequence to an authenticating authority, the authenticating authority having access to the authenticating value. Further, the method includes the authenticating authority verifying the validity of the transaction based on the token output sequence and the authenticating value, from which the authenticating authority obtains a verification sequence using the logic, the verifying the validity including the authenticating authority comparing the token output sequence to the verification sequence to determine if there is a match between the token output sequence and the verification sequence.
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Hunton & Williams
JPMorgan Chase Bank, N.A
Worjloh Jalatee
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