Patent US6018724A successfully refreshed from Google Patents.
US6018724A
Expired / Lapsed
US
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Method and apparatus for authenticating on-line transaction data
Assignee: Oracle America Inc
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Filing: 1997-06-30
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Granted: 2000-01-25
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Expires: 2017-06-30
Abstract
Abstract The present invention comprises a method and apparatus for authenticating data related to on-line transactions. The invention utilizes a user-customized certification indicator that informs a user as to the success or failure of one or more authentication and/or security protocols implemented on a user communications access device such as a personal computer, a personal digital assistant ("PDA"), an enhanced function telephone, etc. In one or more embodiments, one of the components of the indicator is user defined, and locally stored, reducing the likelihood of interception and counterfeiting. In one or more embodiments, the indicator components include a centrally provided graphic element and a user defined text overlay. When a user initiates an electronic transaction, a background validation process is initiated that implements procedures for determining the authenticity of data related to the transaction, such as the identity of a transaction party. If the validation process determines that the data is authentic, the validation process displays a certification indicator comprising the graphic overlaid with the user defined text-string. In another embodiment, the certification indicator includes one or more multi-media components, such as, for example, an audio component.
Inventors
- 👤 Michael A. Arent
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-28 23:50
CPC Classifications
G; G06; G06F; G06F21/00; G06F21/60; G06F21/64; G06F21/645; G06Q; G06Q20/00; G06Q20/02; G06Q20/04; G06Q20/08; G06Q20/10; G06Q20/12; G06Q20/38; G06Q20/382; G06Q20/3829; G06Q20/40; H; H04; H04L; H04L63/00; H04L63/12; H04L2463/00; H04L2463/102
Claims Analysis
Total Claims: 16
Claim 1
Independent Claim
60 words
A method for authenticating data relating to an on-line transaction engaged in by a user using a communications access device, comprising the steps of: determining the authenticity of said data; outputting a certification indicator comprising a plurality of media components via said communications access device in an order defined by said user if said data is determined to be authentic.
Claim 2
Independent Claim
60 words
A method for authenticating data relating to an on-line transaction engaged in by a user using a communications access device, comprising the steps of: determining the authenticity of said data; outputting a certification indicator comprising a plurality of media components via said communications access device in an order defined by said user if said data is determined to be authentic.
Claim 3
Independent Claim
64 words
A method for authenticating data relating to an on-line transaction engaged in by a user using a communications access device, comprising the steps of: determining the authenticity of said data; outputting a certification indicator via said communications access device when said data is determined to be authentic where said certification indicator is in the form of an audio output of said communications access device.
Claim 4
Independent Claim
64 words
A method for authenticating data relating to an on-line transaction engaged in by a user using a communications access device, comprising the steps of: determining the authenticity of said data; outputting a certification indicator via said communications access device when said data is determined to be authentic where said certification indicator is in the form of an audio output of said communications access device.
Claim 5
Dependent Claim
121 words
A article of manufacture comprising: a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using a communications access device, said communications access device comprising said computer processor, said computer processor readable program code in said article of manufacture comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising at least one user defined component, said user defined component comprising an order of outputting a plurality of media components when said data is determined to be authentic.
Claim 6
Dependent Claim
121 words
A article of manufacture comprising: a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using a communications access device, said communications access device comprising said computer processor, said computer processor readable program code in said article of manufacture comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising at least one user defined component, said user defined component comprising an order of outputting a plurality of media components when said data is determined to be authentic.
Claim 7
Dependent Claim
112 words
An article of manufacture comprising: a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using a communications access device, said communications access device comprising said computer processor, said computer processor readable program code in said article of manufacture comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator to said user via an audio output of said communications access device when said data is determined to be authentic.
Claim 8
Dependent Claim
112 words
An article of manufacture comprising: a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using a communications access device, said communications access device comprising said computer processor, said computer processor readable program code in said article of manufacture comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator to said user via an audio output of said communications access device when said data is determined to be authentic.
Claim 9
Dependent Claim
117 words
A communications access device for electronically engaging in an on-line transaction comprising: a computer processor; an output device; a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using said communications access device, said computer processor readable program code comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising a plurality of media components using said output device in an order defined by said user when said data is determined to be authentic.
Claim 10
Dependent Claim
117 words
A communications access device for electronically engaging in an on-line transaction comprising: a computer processor; an output device; a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using said communications access device, said computer processor readable program code comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising a plurality of media components using said output device in an order defined by said user when said data is determined to be authentic.
Claim 11
Dependent Claim
115 words
A communications access device for electronically engaging in an on-line transaction comprising: a computer processor; an output device; a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using said communications access device, said computer processor readable program code comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising at least one user defined component to said user via an audio output device when said data is determined to be authentic.
Claim 12
Dependent Claim
115 words
A communications access device for electronically engaging in an on-line transaction comprising: a computer processor; an output device; a computer processor usable medium having computer processor readable program code embodied therein for authenticating data related to an on-line transaction engaged in by a user using said communications access device, said computer processor readable program code comprising: computer processor readable program code configured to cause said communications access device to determine the authenticity of said data; computer processor readable program code configured to cause said communications access device to output a certification indicator comprising at least one user defined component to said user via an audio output device when said data is determined to be authentic.
Claim 13
Dependent Claim
79 words
A computer data signal embodied in a carrier wave and representing sequences of instructions which, when executed by a processor of a communications access device, cause said processor to authenticate data related to an on-line transaction engaged in by a user, by performing the steps of: determining the authenticity of said data; outputting a certification indicator, via said communications access device, to said user in an order defined by said user when said data is determined to be authentic.
Claim 14
Dependent Claim
79 words
A computer data signal embodied in a carrier wave and representing sequences of instructions which, when executed by a processor of a communications access device, cause said processor to authenticate data related to an on-line transaction engaged in by a user, by performing the steps of: determining the authenticity of said data; outputting a certification indicator, via said communications access device, to said user in an order defined by said user when said data is determined to be authentic.
Claim 15
Dependent Claim
76 words
A computer data signal embodied in a carrier wave and representing sequences of instructions which, when executed by a processor of a communications access device, cause said processor to authenticate data related to an on-line transaction engaged in by a user, by performing the steps of: determining the authenticity of said data; outputting a certification indicator to said user via an audio output of said communications access device when said data is determined to be authentic.
Claim 16
Dependent Claim
76 words
A computer data signal embodied in a carrier wave and representing sequences of instructions which, when executed by a processor of a communications access device, cause said processor to authenticate data related to an on-line transaction engaged in by a user, by performing the steps of: determining the authenticity of said data; outputting a certification indicator to said user via an audio output of said communications access device when said data is determined to be authentic.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-24 | 2003-07-26 | 2004-01-25 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-24 | 2007-07-26 | 2008-01-25 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-24 | 2011-07-26 | 2012-01-25 | $7700.00 | Window Closed / Lapsed |