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公开(公告)号：US20070050840A1
公开(公告)日：2007-03-01
申请号：US11494224
申请日：2006-07-27
IPC分类号： H04L9/32
CPC分类号： G06Q20/425 , G06F21/42 , G06Q20/4014 , G06Q30/06 , G07F7/1008 , G07F7/1025 , H04L63/08 , H04L63/0838 , H04L63/18 , H04L2463/102
摘要： 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.
摘要翻译： 用于电子商务中用于安全用户认证的计算机实现的方法和系统涉及维护具有第一方面的电子信息，所述第一方面可响应于对用户已知的第一证书的输入而可在第一电子通信信道上访问，以及可访问的第二方面 响应于在第二电子通信信道上以预先注册的传送地址提供给用户的第二凭证的输入，用户通过第一电子通信信道通过第一电子通信信道。 在第一方面的用户访问的当前会话期间响应于预定用户选择的输入，经由第二电子通信信道向用户提供第二凭证，如果在预先注册的递送地址内没有发生改变 预定的时间段，并且允许用户响应于第二证书的输入在第一方面的用户访问的当前会话期间或在用户访问第二方面的后续会话期间访问第二方面的会话 第一方面。
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公开(公告)号：US08181232B2
公开(公告)日：2012-05-15
申请号：US11494224
申请日：2006-07-27
CPC分类号： G06Q20/425 , G06F21/42 , G06Q20/4014 , G06Q30/06 , G07F7/1008 , G07F7/1025 , H04L63/08 , H04L63/0838 , H04L63/18 , H04L2463/102
摘要： 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.
摘要翻译： 用于电子商务中用于安全用户认证的计算机实现的方法和系统涉及维护具有第一方面的电子信息，所述第一方面可响应于对用户已知的第一证书的输入而可在第一电子通信信道上访问，以及可访问的第二方面 响应于在第二电子通信信道上以预先注册的传送地址提供给用户的第二凭证的输入，用户通过第一电子通信信道通过第一电子通信信道。 在第一方面的用户访问的当前会话期间响应于预定用户选择的输入，经由第二电子通信信道向用户提供第二凭证，如果在预先注册的递送地址内没有发生改变 预定的时间段，并且允许用户响应于第二证书的输入在第一方面的用户访问的当前会话期间或在用户访问第二方面的后续会话期间访问第二方面的会话 第一方面。
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3.发明申请Methods and systems for implementing on-line financial institution services via a single platform 审中-公开通过单一平台实施在线金融机构服务的方法和系统公开(公告)号：US20060195816A1
公开(公告)日：2006-08-31
申请号：US11242565
申请日：2005-10-03
申请人： Michael Grandcolas , John Riblett , Ted Krawiec , Albert Cohen , Sam Shahdousti , Naresh Vyas , Mike Mast , Simon Khilkevich , Gene Stolarov , Irina Koryakovtseva , Grigor Markarian , Jeremy Dimond , Avinash Kharul , Amit Chitnis , Ravin Vernekar , Dilip Parekh , Mark Bitter , Farah Khalili , Teresa Petach , Chris Kowalski , Rajashree Karwa
发明人： Michael Grandcolas , John Riblett , Ted Krawiec , Albert Cohen , Sam Shahdousti , Naresh Vyas , Mike Mast , Simon Khilkevich , Gene Stolarov , Irina Koryakovtseva , Grigor Markarian , Jeremy Dimond , Avinash Kharul , Amit Chitnis , Ravin Vernekar , Dilip Parekh , Mark Bitter , Farah Khalili , Teresa Petach , Chris Kowalski , Rajashree Karwa
IPC分类号： G06F9/44
CPC分类号： G06Q40/02
摘要： A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.
摘要翻译： 通过单一物理和逻辑平台实现在线金融机构服务的方法和系统在一个环境中部署全球网络银行应用程序，其中应用程序是从单个来源基础构建的，并适应各种与不同区域相关联的业务规则和语言 ，国家和企业。 根据上下文属性为每个单独的业务创建单独的Web应用程序，运行上下文相关Web应用程序的应用程序服务器提供客户和银行功能之间的接口。 该平台部分依赖于适当组件的重用以实现集成，以及核心服务的共享。 由于业务特定组件的独立性，每个业务可能需要不同版本的应用软件，并且可能会更新或实现新组件，而不会影响现有的业务组件。
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