Abstract: A method for authenticating users over networks includes requesting a one-time password, entering a personal identification number into a communications device, and retrieving a replaceable shared secret stored in the communications device. Moreover, the method includes generating a hashed personal identification number from the entered personal identification number, combining the hashed personal identification number with the replaceable shared secret to generate a modified shared secret, and generating a one-time password with the modified shared secret and the time of requesting the one-time password.

Abstract: A method for enhancing the accuracy performance of authentication systems includes determining an authentication data requirement for a desired transaction and at least one new verification phrase. The method also includes capturing authentication data from a user with a communications device in accordance with the authentication data requirement, and capturing biometric data of the at least one new verification phrase from the user with the communications device. Moreover, the method includes adding the determined at least one new verification phrase to an enrollment phrase registry and storing the biometric data captured for the at least one new verification phrase in an enrollment data record of the user after successfully authenticating the user.

Abstract: A method of host-directed illumination for verifying the validity of biometric data of a user is provided that includes capturing biometric data from a user with an authentication device during authentication and directing illumination of the biometric data from a host authentication system during the capturing operation. Moreover, the method includes comparing illumination characteristics of the captured biometric data against illumination characteristics expected to result from the directing operation, and determining that the user is a live user when the illumination characteristics of the captured biometric data match the illumination characteristics expected to result from the directing operation.

Abstract: A method for increasing the security of private keys is provided that includes generating transaction data at a device operated by a user and processing the transaction data. Moreover, the method includes determining whether the user permits using a private key that is associated with the user and with a public-private key pair of the user. The private key is stored in a computer system different from the device. Furthermore, the method includes authenticating the user when the user permits using the private key, applying the private key to other data after successfully authenticating the user, and transmitting the other data to the device. The method also includes conducting a transaction with the transaction data.

Abstract: A method of authenticating users to reduce transaction risks includes indicating a desire to conduct a transaction, inputting information in a workstation, and determining whether the inputted information is known. Moreover, the method includes determining a state of a communications device when the inputted information is known, and transmitting a biometric authentication request from a server to a workstation when the state of the communications device is enrolled. Additionally, the method includes obtaining 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 conducting the transaction when the transmitted and stored one-time pass-phrases match.

Abstract: A method of host-directed illumination for verifying the validity of biometric data of a user is provided that includes capturing biometric data from a user with an authentication device during authentication and directing illumination of the biometric data from a host authentication system during the capturing operation. Moreover, the method includes comparing illumination characteristics of the captured biometric data against illumination characteristics expected to result from the directing operation, and determining that the user is a live user when the illumination characteristics of the captured biometric data match the illumination characteristics expected to result from the directing operation.

Abstract: A method for generating e-mail messages with increased security includes receiving an e-mail message at a control system. The e-mail message has recipients, a security level, control attributes, and e-mail message contents. Moreover, the method includes verifying the recipients at the control system, and storing the recipients, security level, control attributes, and e-mail message contents in the control system when each of the recipients is verified. Furthermore, the method includes generating modified e-mail messages from the e-mail message, transmitting each of the modified e-mail messages to a respective recipient, and capturing authentication data from one of the recipients when the one recipient indicates a desire to view the e-mail message contents with a communications device operated by the one recipient. When the one recipient is successfully authenticated, the method includes permitting the one recipient to view the e-mail message contents in accordance with the control attributes.

Abstract: A method for accessing e-mail messages from a control system includes requesting access to e-mail message contents of a user stored in the control system, determining whether the user is enrolled in and activated by the control system, and authenticating the user when the user is enrolled in and activated by the control system. Moreover, the method includes permitting the user to view a list of e-mail messages when the user is successfully authenticated. The e-mail messages included in the list are associated with the user. Furthermore, the method includes permitting the user to access the contents of e-mail messages in the list having a security level equal to or less than a security level associated with the successful authentication.

Abstract: A method of authentication is provided that includes capturing palm biometric data from an individual, transmitting the biometric data to an authentication system, and generating an authentication biometric template from the captured biometric data with the authentication system. Moreover, the method includes conducting a plurality of verification matching transactions between the authentication biometric template and enrollment biometric templates stored in the authentication system, and between the authentication biometric template and imposter biometric templates stored in the authentication system. Furthermore, the method includes updating a genuine matching score distribution with at least one genuine matching score, updating an imposter matching score distribution with at least one imposter matching score, and calculating a maximum genuine matching score and a minimum imposter matching score.

Abstract: A method for determining biometric data for use in conducting authentication transactions is provided that includes capturing biometric data from a user during an authentication transaction and capturing conditions of the authentication transaction with a device. The captured biometric data corresponds to desired biometric data. The method also includes transmitting the captured biometric data and conditions to an authentication system that stores biometric data and conditions therein. Moreover, the method includes determining that stored biometric data corresponding to the desired biometric data, associated with conditions that best match the captured conditions, is to be used for authenticating the user.

Abstract: A method for enhancing the security of systems and resources involved in conducting network-based transactions on mobile communications devices includes comparing authentication data requested to be captured from a user as part of an authentication transaction against authentication data anticipated by the user to be captured during the authentication transaction. The method also includes authenticating the requested transaction when the user decides that the requested authentication data agrees with the anticipated authentication data, and conducting a network-based transaction from a mobile communications device, if the user is authorized, after successfully authenticating the identity of the user.

Abstract: A method of host-directed illumination for verifying the validity of biometric data of a user is provided that includes capturing biometric data from a user with an authentication device during authentication and directing illumination of the biometric data from a host authentication system during the capturing operation. Moreover, the method includes comparing illumination characteristics of the captured biometric data against illumination characteristics expected to result from the directing operation, and determining that the user is a live user when the illumination characteristics of the captured biometric data match the illumination characteristics expected to result from the directing operation.

Abstract: A method of capturing biometric data is provided that includes activating a security application in a device. The security application is activated by an operator of the device and is configured to cause the device to display an outline image. Moreover, the method includes displaying the outline image in a stationary position on a display of the device, positioning desired biometric data proximate the device such that the desired biometric data appears as a biometric image on the device display, and monitoring the outline and biometric images shown on the device display. Furthermore, the method includes positioning the device and the desired biometric data to better align the outline and biometric images when the outline and biometric images do not align and capturing the desired biometric data from an individual after approximately aligning the outline image with the biometric image.

Abstract: A method of eliminating the need to wait in line to conduct a payment transaction in a retail establishment includes initiating a network-based electronic payment transaction with a communications device in a retail establishment. A shopper initiates the network-based electronic payment transaction. Moreover, the method includes entering a machine readable code from at least one good with the communications device, determining a price of the at least one good and a total payment transaction cost, and displaying the total payment transaction cost on a screen of the communications device. Furthermore, the method includes determining whether to approve payment for the electronic payment transaction, authenticating the shopper, completing the electronic payment transaction in the retail establishment, and transmitting a transaction complete message to the communications device when the shopper is authenticated.

Abstract: A method of authentication is provided that includes capturing palm biometric data from an individual, transmitting the biometric data to an authentication system, and generating an authentication biometric template from the captured biometric data with the authentication system. Moreover, the method includes conducting a plurality of verification matching transactions between the authentication biometric template and enrollment biometric templates stored in the authentication system, and between the authentication biometric template and imposter biometric templates stored in the authentication system. Furthermore, the method includes updating a genuine matching score distribution with at least one genuine matching score, updating an imposter matching score distribution with at least one imposter matching score, and calculating a maximum genuine matching score and a minimum imposter matching score.

Abstract: A method of text-based authentication that accounts for positional variability of biometric features between captured biometric data samples includes capturing biometric data for a desired biometric type from an individual, and processing the captured biometric data to generate a biometric image and a biometric feature template. A selected conversion algorithm is executed by superimposing a positional relationship medium on the biometric image. The positional relationship medium includes a plurality of cells textually describable with words derivable from the positional relationship medium. The positions of biometric features are permitted to vary in overlapping border regions within the positional relationship medium. The method also includes identifying the position of at least one biometric feature within the overlapping border regions and generating a plurality of words for the at least one biometric feature.

Abstract: A method of authenticating users is provided that includes capturing biometric authentication data of a user and processing the captured biometric data into an image. Moreover, the method includes determining a region of interest of the image and a gray scale image from the image, determining an optimum transformation parameter set within the region of interest, and aligning the gray scale image with an enrollment gray scale image generated during enrollment of the user using results of the optimum transformation parameter set determination. Furthermore, the method includes extracting biometric feature data from the gray scale image and verifying an identity of the user with extracted biometric feature data included in a region of agreement.

Abstract: A method for improving the security of secret authentication data during authentication transactions is provided that includes converting the secret authentication data of a user into scrambled secret authentication data by associating a different text-string with each item of information included in the secret authentication data. The method also includes capturing the scrambled secret authentication data with a communications device, and conducting an authentication transaction with the captured authentication data.

Abstract: 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.

Abstract: A method of capturing biometric data is provided that includes activating a security application in a device. The security application is activated by an operator of the device and is configured to cause the device to display an outline image. Moreover, the method includes displaying the outline image in a stationary position on a display of the device, positioning desired biometric data proximate the device such that the desired biometric data appears as a biometric image on the device display, and monitoring the outline and biometric images shown on the device display. Furthermore, the method includes positioning the device and the desired biometric data to better align the outline and biometric images when the outline and biometric images do not align and capturing the desired biometric data from an individual after approximately aligning the outline image with the biometric image.