System and method for device registration and authentication

• US 10,027,485 B1
• Filed: 02/04/2015
• Issued: 07/17/2018
• Est. Priority Date: 01/10/2012
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Benson, Glenn, Re, Salvatore Richard
• Primary Examiner(s): LE, CHAU D
• Application Number:
  US14/614,054
• Time in Patent Office: 1,259 Days
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 2463/062 applying encryption of the keys
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 9/3226 using a predetermined code, e.g. password, passphrase or PIN network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04W 12/04 Key management, e.g. using generic bootstrapping architecture [GBA]
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/77 Graphical identity

Abstract

Systems and methods for device registration and authentication are disclosed. In one embodiment, a method for authentication of a device may include (1) receiving, at a mobile device, a first credential; (2) transmitting, over a network, the first credential to a server; (3) receiving, from the server, a first key and a first value, the first value comprising a receipt for the first credential; (4) receiving, at the mobile device, a data entry for a second credential; (5) generating, by a processor, a second key from the data entry; (6) retrieving, by the mobile device, a third credential using the first key and the second key; (7) signing, by the mobile device, the first value with the third credential; and (8) transmitting, over the network, the signed third value to the server.

Claims

1. A method for authentication, comprising:

a server comprising at least one computer processor receiving, from a mobile device and over a network, a first credential;

the server verifying the first credential;

in response to the verification of the first credential, transmitting, over the network and to the mobile device, a first key and a first value;

receiving, from the mobile device, the first value signed with a device key;

the server validating the first value signed with the device key; and

in response to the validation of the signed first key, the server authenticating the mobile device and a user associated with the mobile device.

2. The method of claim 1, wherein the first credential comprises a biometric.

3. The method of claim 2, wherein the biometric is a voice biometric.

4. The method of claim 1, wherein the first credential comprises at least one of a value, a device footprint, and a geographic location for the device.

5. The method of claim 1, wherein the step of verifying the first credential comprises verifying a predetermined number of elements comprising the first credential.

6. The method of claim 1, wherein the step of verifying the first credential comprises verifying all elements comprising the first credential.

7. The method of claim 1, wherein the first credential is signed using the device key.

8. The method of claim 1, further comprising:

transmitting a replacement device key to the mobile device.

9. The method of claim 1, wherein the step of validating the signed first value comprises:

using a computer processor, applying a server key corresponding to a key used to sign the first value to validate the first value.

10. The method of claim 1, wherein the first value comprises a receipt for the first credential.

11. The method of claim 1, wherein the first value comprises a receipt for the first credential and at least one of a message digest for a transaction and a random number.

12. The method claim 1, wherein the first value comprises a string to invalidate a transaction signature.

13. The method of claim 1, wherein the mobile electronic device is a mobile electronic communication device.