Abstract: A method and apparatus provides first or second factor authentication by providing selectability of a plurality of second factor authentication policies associated with a second factor authentication article. The first or second factor authentication article includes authentication information, such as a plurality of data elements in different cells or locations on the authentication article, which can be located by using corresponding location information. The method and apparatus provides second factor authentication based on the first or second factor authentication article by enforcing at least one of the plurality of selected authentication policies.

Abstract: A transaction card comprising, such as a credit card or debit card, includes transaction card serial number information that identifies the transaction card, sender authentication information identifiable by location information and location information is on the transaction card. In addition, account information is also on the transaction card.

Abstract: A method and apparatus provides first or second factor authentication by providing selectability of a plurality of second factor authentication policies associated with a second factor authentication article. The first or second factor authentication article includes authentication information, such as a plurality of data elements in different cells or locations on the authentication article, which can be located by using corresponding location information. The method and apparatus provides second factor authentication based on the first or second factor authentication article by enforcing at least one of the plurality of selected authentication policies.

Abstract: A method and apparatus provides first or second factor authentication by providing selectability of a plurality of second factor authentication policies associated with a second factor authentication article. The first or second factor authentication article includes authentication information, such as a plurality of data elements in different cells or locations on the authentication article, which can be located by using corresponding location information. The method and apparatus provides second factor authentication based on the first or second factor authentication article by enforcing at least one of the plurality of selected authentication policies.

Abstract: A secure identification information member, such as a transaction card, includes a translucent area having an information pattern representing one or more identifiers configured to overlay a portion of a display screen. In one example, a transaction card includes a first portion that contains transaction card account information and a second portion that contains a translucent identification member having a translucent area that includes one or more obscured identifiers.

Abstract: An apparatus and method for securely providing identification information generates one or more obscured identifiers for a recipient, such as one or more identifiers that are generated based on data unique to a recipient or other information as may be appropriate. In one embodiment, the method and apparatus generates a translucent identification member, such as a plastic card, sheet, film or other suitable member that has a translucent area that includes one or more obscured identifiers. When the translucent identification member is overlayed on a screen displaying a visual filtering pattern, one of one or more obscured identifiers is visually revealed for use during the particular transaction. The revealed identifier is entered into a recipient device and sent to an authenticator to be verified as an appropriate identifier for the transaction.

Abstract: A transaction card comprising, such as a credit card or debit card, includes transaction card serial number information that identifies the transaction card, sender authentication information identifiable by location information and location information is on the transaction card. In addition, account information is also on the transaction card.

Abstract: A method for providing electronic message authentication employs an article, such as a card, sticker, or any other suitable article, that includes sender authentication information and location information such as row and column headings. In one example, each recipient of interest is issued an article that embodies unique sender authentication information that is identifiable by corresponding location information such as column and row identifiers. In both an apparatus and method, when the sender of an electronic message wants to send a message to a recipient of interest, the sender sends the electronic message and both location information and corresponding desired sender authentication information located at the coordinate identified by the location coordinate information. If the sent desired sender authentication information matches authentication information found on the article, the sender of the message is trusted.

Abstract: A method and apparatus provides first or second factor authentication by providing selectability of a plurality of second factor authentication policies associated with a second factor authentication article. The first or second factor authentication article includes authentication information, such as a plurality of data elements in different cells or locations on the authentication article, which can be located by using corresponding location information. The method and apparatus provides second factor authentication based on the first or second factor authentication article by enforcing at least one of the plurality of selected authentication policies.

Abstract: An apparatus and method for securely providing identification information generates one or more obscured identifiers for a recipient, such as one or more identifiers that are generated based on data unique to a recipient or other information as may be appropriate. In one embodiment, the method and apparatus generates a translucent identification member, such as a plastic card, sheet, film or other suitable member that has a translucent area that includes one or more obscured identifiers. When the translucent identification member is overlayed on a screen displaying a visual filtering pattern, one of one or more obscured identifiers is visually revealed for use during the particular transaction. The revealed identifier is entered into a recipient device and sent to an authenticator to be verified as an appropriate identifier for the transaction.

Abstract: A method for providing electronic message authentication employs an article, such as a card, sticker, or any other suitable article, that includes sender authentication information and location information such as row and column headings. In one example, each recipient of interest is issued an article that embodies unique sender authentication information that is identifiable by corresponding location information such as column and row identifiers. In both an apparatus and method, when the sender of an electronic message wants to send a message to a recipient of interest, the sender sends the electronic message and both location information and corresponding desired sender authentication information located at the coordinate identified by the location coordinate information. If the sent desired sender authentication information matches authentication information found on the article, the sender of the message is trusted.

Abstract: An apparatus and method for securely providing identification information includes a translucent identification member that contains a visual filtering pattern and a display screen displays at least one obscured identifier that may be for example data representing user authentication data that is unique to a user, or other data if desired. The combination of overlaying the translucent identification member (visual filter) over the display that displays an obscured identifier, reveals (un-obscures) the at least one obscured identifier on the screen for use as a second factor of user authentication. The visual filtering pattern on the member stays the same since it is printed or otherwise impressed on the member, and the displayed obscured identifier is changed during each session or at other suitable intervals.