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BOCA PATENTS BY
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Adaptive policies and protections for securing financial transaction data at rest

Invented by: Samuel A. Bailey, Jr.
Boca Raton, FL Applicant: Name City State Country Type Bailey, Jr.

Originally Assigned to: American Express Travel Related Services Company, Inc.
New York, NY Family ID: 1000000703796
[Now assigned to . . .]

Issued:2014-09-30
Filed:2010-06-22
Application No:12820193
Examined by:Hailu; Teshome

A system for challenge-response authentication is provided by receiving, from an external terminal over a communication network, a request for access to a service. A plurality of objects is presented to a user via a display. A plurality of codes is received over the communication network, each of the plurality of codes corresponding to one of the plurality of objects. The plurality of codes are matched to a plurality of alphanumeric characters according to a predetermined table. An alphanumeric string is generated from the plurality of alphanumeric characters and the alphanumeric string is compared to a user identifier stored in a database. Based on the comparing, a determination is made as to whether to grant the user access to the service.

[pdf] U.S. Pat. No. 8,850,539

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