Method and apparatus of secure authentication and electronic payment through mobile communication tool
The present invention relates to apparatus and method utilizing a mobile terminal as a tool for secure authentication and electronic payment. A random ID code is passed through a circle path to verify the nodes along the…
Original patent title: “Method and apparatus of secure authentication and electronic payment through mobile communication tool”
What this patent covers
The actual claim
The present invention relates to apparatus and method utilizing a mobile terminal as a tool for secure authentication and electronic payment. A random ID code is passed through a circle path to verify the nodes along the path. If the RID sent back matches the one generated for the current transaction, the user is authenticated and the transaction is approved for further action. The user's account server generates a Random ID code when a transaction request is received. This RID will be passed to the user's mobile terminal and then passed to the terminal where the user request access or purchasing. The terminal will send the RID back to the account server. If the RID received and the original RID generated for this transaction matches the user is authenticated. The RID can also be passed through a reverse direction.
What this patent does NOT cover
The boundaries
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Patent Abstract
Patent abstract
The present invention relates to apparatus and method utilizing a mobile terminal as a tool for secure authentication and electronic payment. A random ID code is passed through a circle path to verify the nodes along the path. If the RID sent back matches the one generated for the current transaction, the user is authenticated and the transaction is approved for further action. The user's account server generates a Random ID code when a transaction request is received. This RID will be passed to the user's mobile terminal and then passed to the terminal where the user request access or purchasing. The terminal will send the RID back to the account server. If the RID received and the original RID generated for this transaction matches the user is authenticated. The RID can also be passed through a reverse direction.
Patent Journey
From filing to expiry
Patent Filed
2006
Patent Granted
2009 · 3yr after filing
Patent Expired
2026
PatentBrief Score
Impact Score
Early stage
Citation count
25/40
Moderately cited
Claim breadth
5/20
Moderate scope
Recency
5/20
Granted 10–20 years ago
Assignee scale
0/20
Independent or smaller assignee
PatentBrief Impact Score — based on citation count, claim breadth, recency, and assignee scale. Not a legal assessment.
The original legal language
Original claims
7 claims as filed with the patent office.
Citations
Patent lineage
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