Todd Inskeep, CISSP

Apparatus and methods for the execution of a transaction between a customer and a merchant using a virtual purchasing instrument. The apparatus and methods may involve receiving from the customer a request to pay funds or draw credit from an account based on the customer's electronic presentation of the virtual purchasing instrument to the merchant.

A reusable authentication component may be integrated into a web page to communicate with an authentication server and authenticate a user to the web page. The reusable authentication component may implement a complex authentication process, including multiple user interfaces to receive multiple assurances of user identity and user confirmation of previously stored mutual authentication data. The authentication process may be performed by the authentication component without refreshing or… Show more

A reusable authentication component may be integrated into a web page to communicate with an authentication server and authenticate a user to the web page. The reusable authentication component may implement a complex authentication process, including multiple user interfaces to receive multiple assurances of user identity and user confirmation of previously stored mutual authentication data. The authentication process may be performed by the authentication component without refreshing or redirecting the parent web page until completion of a successful user authentication, after which the parent web page may receive authentication data and refresh to provide user specific and/or secure user data on the web page. Show less

A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. Full smart card functionality may also be provided. The card also includes a microprocessor and software, dedicated chip or a memory chip for generating the OTP. A visual and/or audio display is provided on the card to output the OTP to the user. The… Show more

A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. Full smart card functionality may also be provided. The card also includes a microprocessor and software, dedicated chip or a memory chip for generating the OTP. A visual and/or audio display is provided on the card to output the OTP to the user. The end user inputs the OTP to access the secured system. The credit/debit card functionality may be used apart from the OTP generator functionality. Show less