{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9665868","patent":{"patent_number":"US-9665868","title":"One-time use password systems and methods","assignee":null,"inventors":[],"filing_date":"2011-05-09T00:00:00.000Z","publication_date":"2017-05-30T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06F","G06Q","G06Q","G06Q","G06Q","H04L","H04L","H04L","H04L","H04L","G06F","H04L","H04L"],"num_claims":22,"abstract":"According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may also include authenticating the user by the authentication server in response to a request from the user to use the one-time password. The method may further include authorizing the use of the one-time password for the transaction in response to authenticating the user by the authentication server. The method may moreover include using the one-time password in combination with an account number to settle the transaction between the user and the merchant. The method may additionally include sending a message to the authentication server originating from the merchant, wherein the message comprises the one-time password, and wherein the message requests a determination whether the one-time password is authorized for use in the transaction. The method may also include sending a message to the merchant originating from the authentication server, wherein the message includes a determination whether the transaction should be approved in response to the authentication server determining whether the one-time password is authorized for use in the transaction."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"One-time use password systems and methods","description":"According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9665868","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-9665868","citation_suggestion":"Patentable. \"One-time use password systems and methods\" (US-9665868). https://patentable.app/patents/US-9665868","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9665868","json":"https://patentable.app/api/llm-context/US-9665868","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T05:41:53.058Z"}