BACKGROUND 0003. An online transaction, wherein “online” means over the internet or
another network accessible by a personal com puter, is generally perceived as" …

0001. This application is a continuation-in-part of, and claims priority for Subject matter
disclosed in, the applica tion by the same inventors for “System and Process for Conducting …

0003 Online commerce is reliant upon the processing of credit and debit cards for the
completion of transactions. As online commerce began, online merchants provided reassur …

5.991, 738 A ck 11/1999 Ogram method, an authentication credentials request that includes
ag; f 39 Elin et al................ TOOf 232 transaction identifier is received from a merchant …

BACKGROUND 0002. As the Internet has grown in popularity, more users are turning to
services provided over the Internet to help manage their finances. These services can be …

Online transactions, including financial transactions and other confidential transactions,
have long been employed to allow two parties to conduct business. In a typical online …

(56) References Cited server, the authentication proxy generates an authentication token in
the form of a simple image, and sends the authenti US PATENT DOCUMENTS cation token …

BACKGROUND 0002 Consumer and business demand for online services has greatly
increased in recent years. This is also true in the banking industry where customers expect …

0001 1. Field of the Invention 0002 The present invention is related generally to trans action
systems and similar electronic relationships between entities, such as consumers …

The present invention relates to the authentication of parties involved in transactions
performed remotely over a network, such as the Internet. When a first party initiates a …