Abstract: Passwords are used in various system access applications in order to ascertain that the user seeking access to a system resource is indeed the person with said access. Passwords are usually supposed to be entered through a keyboard and are a combination of alphanumeric values. With the advent of devices equipped with visual displays and touch inputs, it is possible to create a system which utilizes a person's visual memory to authenticate the person. A system and method is described which uses multiple images to perform authentication. This system does not require its user to input a text value as a password. The password is created by user's actions. These actions are in the form of selecting a segment on a displayed image. Few different systems are described. One system is capable of creating variable passwords which by design keep changing from one authentication attempt to another. Another system uses one high resolution image to effectively hide the password in an image with lots of detail.

Abstract: The traditional authentication mechanism of using a public username and a constant secret password needs to be improved upon. A framework and a method is described which allows for much more secure authentication compared to the traditional username/password method. The method is useful for first party authentication as well as non-repudiation of digital information. The non-repudiation is achieved as a by-product of high entropy of the authentication method. The method relies on generation of high entropy tokens (called flakes) as a by-product of authentication. Since these tokens do not exist before being created, and their creation relies on user input, they are non-persisted proofs of user presence.

Abstract: Passwords are used in various system access applications in order to ascertain that the user seeking access to a system resource is indeed the person with said access. Passwords are usually supposed to be entered through a keyboard and are a combination of alphanumeric values. With the advent of devices equipped with visual displays and touch inputs, it is possible to create a system which utilizes a person's visual memory to authenticate the person. A system and method is described which uses multiple images to perform authentication. This system does not require its user to input a text value as a password. The password is created by user's actions. These actions are in the form of selecting a segment on a displayed image. Few different systems are described. One system is capable of creating variable passwords which by design keep changing from one authentication attempt to another. Another system uses one high resolution image to effectively hide the password in an image with lots of detail.

Abstract: The traditional authentication mechanism of using a public username and a constant secret password needs to be improved upon. A framework and a method is described which allows for much more secure authentication compared to the traditional username/password method. The method is useful for first party authentication as well as non-repudiation of digital information. The non-repudiation is achieved as a by-product of high entropy of the authentication method. The method relies on generation of high entropy tokens (called flakes) as a by-product of authentication. Since these tokens do not exist before being created, and their creation relies on user input, they are non-persisted proofs of user presence.

Abstract: Passwords are used in various system access applications in order to ascertain that the user seeking access to a system resource is indeed the person with said access. Passwords are usually supposed to be entered through a keyboard and are a combination of alphanumeric values. With the advent of devices equipped with visual displays and touch inputs, it is possible to create a system which utilizes a person's visual memory to authenticate the person. A system and method is described which uses multiple images to perform authentication. This system does not require its user to input a text value as a password. The password is created by user's actions. These actions are in the form of selecting a segment on a displayed image. Few different systems are described. One system is capable of creating variable passwords which by design keep changing from one authentication attempt to another. Another system uses one high resolution image to effectively hide the password in an image with lots of detail.

Abstract: Payment systems currently in vogue (credit/debit cards) use a form of identity applicable only to a specific payment network (card number). This prevents the aggregation of one's payment options, and exposes the sensitive account information to the relatively insecure parts (merchant locations) of the transaction chain. These problems are being solved by various models of mobile payments. These models allow for payments based on devices/mobile phones that are adjacent to a POS. This invention views mobile payments as special class of a general problem of authentication of devices based on proximity. This invention proposes a general solution to transaction management on a POS, based on devices in close proximity. Unlike other mobile payment models, the devices in this invention may or may not be adjacent to the POS. The advantage of this system is that it lets the users pay for their purchases only using their mobile phone.

Abstract: Passwords are used in various system access applications in order to ascertain that the user seeking access to a system resource is indeed the person with said access. Passwords are usually supposed to be entered through a keyboard and are a combination of alphanumeric values. With the advent of devices equipped with visual displays and touch inputs, it is possible to create a system which utilizes a person's visual memory to authenticate the person. A system and method is described which uses multiple images to perform authentication. This system does not require its user to input a text value as a password. The password is created by user's actions. These actions are in the form of selecting a segment on a displayed image. Few different systems are described. One system is capable of creating variable passwords which by design keep changing from one authentication attempt to another. Another system uses one high resolution image to effectively hide the password in an image with lots of detail.

Abstract: Payment systems currently in vogue (credit/debit cards) use a form of identity applicable only to a specific payment network (card number). This prevents the aggregation of one's payment options, and exposes the sensitive account information to the relatively insecure parts (merchant locations) of the transaction chain. This invention introduces an alternative platform for payments by aggregating the different identities under one. It proposes to use one's cellphone number as that identity. A set of configurable rules defined by the user let him/her choose the appropriate method of payment at the point of sale. The invention is a set of software and hardware components that work together to create a secure, robust and easy-to-use payment system. It also allows for fraud detection at the time it is being committed. The advantage of this system is that it lets the users pay for their purchases only using their mobile phone.

Abstract: Payment systems currently in vogue (credit/debit cards) use a form of identity applicable only to a specific payment network (card number). This prevents the aggregation of one's payment options, and exposes the sensitive account information to the relatively insecure parts (merchant locations) of the transaction chain. This invention introduces an alternative platform for payments by aggregating the different identities under one. It proposes to use one's cellphone number as that identity. A set of configurable rules defined by the user let him/her choose the appropriate method of payment at the point of sale. The invention is a set of software and hardware components that work together to create a secure, robust and easy-to-use payment system. It also allows for fraud detection at the time it is being committed. The advantage of this system is that it lets the users pay for their purchases only using their mobile phone.