Fraud Deterrence for Electronic Transactions

Abstract

Systems and methods are described for providing fraud deterrents during e-commerce, e-transactions, and digital rights management and access. One or more fraud deterrents may be automatically selected by a client, seller, bank, or other third-party and may be implemented or presented to the client as a potential fraud deterrent option that may be chosen. Fraud deterrent options may be provided which are associated with particular aspects of the transaction including a client's profile, the value of an item, or the preferences of the seller. The fraud deterrent features can be provided as part of a digital shopping cart and may be highly customized by the client including allowing the client to customize conceptual passwords which are presented during subsequent transactions.

1 . A method for verifying a user's identity during an electronic transaction comprising:
 a. operating a first server computer to graphically present to a user a first option of using a first method of identity validation related to an electronic transaction and also presenting to the user a second option related to a second method of validating their identity using a fraud free transaction method and allowing the user to select at least one of the first and second method;   b. operating the first server computer to allow the user to perform the first method of identity validation in the case where that method is selected by the user and the use of the fraud free transaction service is rejected, and   c. operating a second server computer to provide the user with an interface for providing information associated with the fraud free transaction service in the case where the user selects to use the fraud free transaction service, and;
 in the case where the user provides a correct information to the fraud free transaction service then operating the second server to send a signal to the first server indicating that the user's identity has been successfully verified; 
 in the case where the user provides an incorrect information to the fraud free transaction service then operating the second server to send a signal to the first server indicating that the user's identity has not been successfully verified. 
   
     
     
         2 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the first server is further configured for operating upon the signal in order to approve or reject the transaction. 
     
     
         3 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the electronic transaction is related to providing the user access to a website. 
     
     
         4 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the electronic transaction is related to granting the user permission to make a payment. 
     
     
         5 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the electronic transaction is related to granting the user permission to make a payment with a particular credit card. 
     
     
         6 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the first method of identity validation is achieved by having the user log into a website using an existing logon and password. 
     
     
         7 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the second method of identity validation is achieved by having the user verify their identity by successfully providing logon and password information to a fraud free transaction service. 
     
     
         8 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the identity validation is related to authorization to use a credit card. 
     
     
         9 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the transaction is related to obtaining goods and services. 
     
     
         10 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the transaction is related to gaining access to a service provide by a website. 
     
     
         11 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the transaction is related to gaining access to a service provide by a third party. 
     
     
         12 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the interface is a browser window. 
     
     
         13 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the interface is pop-up window operated by software installed on a user device which is configured to communicate with the second server. 
     
     
         14 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the interface is a graphically presented conceptual password comprised of a set of pictures having a subset which correspond to a conceptual rule. 
     
     
         15 . The method for verifying a user's identity during an electronic transaction of  claim 1 , wherein the interface is a graphically presented conceptual password comprised of a set of pictures having a subset which correspond to a conceptual rule which has been defined by the user.