07865937 is referenced by 40 patents and cites 222 patents.

A method of authenticating users to reduce transaction risks includes indicating a desire to conduct a transaction and determining whether the transaction requires access to protected resources. Moreover, the method determines whether inputted information is known, determines a state of a communications device when the inputted information is known, and transmits a biometric authentication request from a server to an authentication system when the state of the communications device is enrolled. Additionally, the method includes validating the communications device, capturing biometric authentication data in accordance with a biometric authentication data capture request with the communications device, biometrically authenticating the user, generating a one-time pass-phrase and storing the one-time pass-phrase on the authentication system when the user is authenticated, comparing the transmitted one-time pass-phrase against the stored one-time pass-phrase, and granting access to the protected resources when the transmitted and stored one-time pass-phrases match.

Title
Methods and systems for authenticating users
Application Number
12/709809
Publication Number
7865937 (B1)
Application Date
February 22, 2010
Publication Date
January 4, 2011
Inventor
Suzanna Diebes
Sterling
VA, US
Chet Bradford Steiner
McLean
VA, US
Jason Scott Cramer
Vienna
VA, US
Michael Peirce
Dublin
IE
Conor Robert White
Fairfax
VA, US
Agent
Kevin McDermott Esq
Assignee
Daon Holdings
KY
IPC
H04L 9/32
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