A network authentication system provides verification of the identity or other attributes of a network user to conduct a transaction, access data or avail themselves of other resources (14-50). The user is presented with a hierarchy of queries based on wallet-type (basic identification) and non-wallet type (more private) information designed to ensure the identity of the user and prevent fraud, false negatives and other undesirable results (52-72). A preprocessing stage may be employed to ensure correct formation of the input information and clean up routine mistakes (such as missing digits, typos, etc.) that might otherwise halt the transaction. Queries can be presented in interactive, batch processed or other format. The authenticator can be configured to require differing levels of input or award differing levels of authentication according to security criteria (14-50).

Title
Systeme et procede dauthentification dutilisateurs de reseau
System and method for authentication of network users
Publication Number
2356998
Application Date
May 20, 1999
Publication Date
November 25, 1999
Inventor
Wilder Jone
French Jennifer
Agent
BERESKIN & PARR
Assignee
Equifax
Assignee
Equifax
IPC
G07F 07/10
G06F 21/00
G06F 12/14
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