Enhanced 2CHK authentication security with information conversion based on user-selected persona

• US 10,033,701 B2
• Filed: 10/10/2013
• Issued: 07/24/2018
• Est. Priority Date: 06/07/2012
• Status: Active Grant

• Current Assignee: Payfone Incorporated
• Original Assignee: Early Warning Services, LLC
• Inventors: Rolfe, Andrew Robert
• Primary Examiner(s): Su, Sarah
• Application Number:
  US14/051,108
• Publication Number:
  US 20140041000A1
• Time in Patent Office: 1,748 Days
• Field of Search: 726 2, 726 3, 726 4, 726 5, 713182, 713183, 705 64, 709223, 709225, 709227, 709229
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/42 using separate channels for security data
• CPC Class Codes: H04L 63/04 for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• 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 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04L 9/3228 One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3271 using challenge-response

Abstract

A server is operated to securely convey information to a user via a network by receiving, from the user, a user selected presentation form representing one of a user selected specific voice and a user selected specific background image. Information for presentation to the user is received from another user and incorporated into the user selected presentation form. The information incorporated in the user selected presentation form is transmitted to the user via the network for presentation to the user.

Claims

1. A method of operating a server to securely convey information to a user via a network, comprising:

receiving, from the user, a first user selected presentation form representing a user selected specific voice and a second user selected presentation form representing a user selected specific background image;

receiving, from another user, information for presentation to the user;

identifying a risk level for the received information;

incorporating the received information, based on the identified risk level, into one of the first user selected presentation form and the second user selected presentation form; and

transmitting the information incorporated in the one user selected presentation form to the user via the network.

2. The method of claim 1, wherein:

the one user selected presentation form represents the user selected specific voice;

the received information is incorporated into the one user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the one user selected presentation form is transmitted by transmitting the generated voice stream.

3. The method of claim 2, wherein the received information is received first information, and further comprising:

receiving, from the other user, second information, different from the first information, for presentation to the user;

incorporating the received second information into the second user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein; and

transmitting the second information incorporated in the second user selected presentation form to the user via the network by transmitting the generated image.

4. The method of claim 3, wherein the identified risk level is an identified first risk level, and further comprising:

identifying a second risk level for the second information;

wherein the received second information is incorporated into the second user selected presentation form based on the identified second risk level.

5. The method of claim 1, wherein:

the one user selected presentation form represents the user selected specific background image;

the received information is incorporated into the one user selected presentation form by generating an image having the user selected specific background image with the information embedded therein; and

the information incorporated in the one user selected presentation form is transmitted by transmitting the generated image.

6. The method of claim 1, further comprising:

also incorporating the received information into the other of the first user and the second user selected presentation forms based on the identified risk level; and

also transmitting the information incorporated in the other user selected presentation form to the user.

7. An article of manufacture for securely conveying information to a user via a network, comprising:

non-transitory storage media; and

logic stored on the storage media, wherein the stored logic is configured to be executable by a processor and thereby cause the processor to operate so as to;

receive, from a user, a first user selected presentation form representing a user selected specific voice and a second user selected presentation form representing a user selected specific background image;

receive, from another user, information for presentation to the user;

identify a risk level for the received information;

incorporate the received information, based on the identified risk level, into one of the first user selected presentation form and the second user selected presentation form; and

direct transmission of the information incorporated in the one user selected presentation form to the user via the network.

8. The article of manufacture of claim 7, wherein:

the one user selected presentation form represents the user selected specific voice;

the received information is incorporated into the one user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the one user selected presentation form is transmitted by transmitting the generated voice stream.

9. The article of manufacture of claim 8, wherein the received information is received first information, and the stored logic is further configured to cause the processor to operate so as to:

receive, from the other user, second information, different from the first information, for presentation to the user;

incorporate the received second information into the second user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein; and

direct the transmission of the second information incorporated in the second user selected presentation form to the user via the network by transmitting the generated image.

10. The article of manufacture of claim 9, wherein:

the identified risk level is an identified first risk level

the stored logic is further configured to cause the processor to operate so as to identify a second risk level for the second information; and

the received second information is incorporated into the second user selected presentation form based on the identified second risk level.

11. The article of manufacture of claim 7, wherein:

the one user selected presentation form represents the user selected specific background image;

the received information is incorporated into the one user selected presentation form by generating an image having the user selected specific background image with the information embedded therein; and

the information incorporated in the one user selected presentation form is transmitted by transmitting the generated image.

12. The article of manufacture of claim 7, wherein the stored logic is further configured to cause the processor to operate so as to;

also incorporate the received information into the other of the first user and the second user selected presentation forms based on the identified risk level; and

also direct transmission of the information incorporated in the other user selected presentation form to the user.

13. A system for securely conveying information to a user via a network, comprising:

a communications port configure to receive, from the user, a first user selected presentation form representing a user selected specific voice and a second user selected presentation form representing a user selected specific background image; and

a processor configured to identify a risk level for information from another user, to incorporate the information, based on the identified risk level, into one of the first user selected presentation form and the second user selected presentation form, and to direct transmission of the information incorporated in the one user selected presentation form to the user;

wherein the communications port is further configured to transmit the information incorporated in the one user selected presentation form to the user via the network, in response to the processor transmission directive.

14. The system of claim 13, wherein:

the one user selected presentation form represents the user selected specific voice;

the information is incorporated into the one user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the one user selected presentation form is transmitted by transmitting the generated voice stream.

15. The system of claim 14, wherein:

the information is first information;

the processor is further configured to incorporate second information, different from the first information, from the other user, into the second user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein, and to direct transmission of the second information incorporated in the second user selected presentation form to the user; and

the communication port is further configured to transmit the second information incorporated in the second user selected presentation form to the user via the network by transmitting the generated image, in response to the processor directive to transmit the second information.

16. The system of claim 15, wherein:

the identified risk level is an identified first risk level;

the processor is further configured to identify a second risk level for the second information;

the second information is incorporated into the second user selected presentation form based on the identified second risk level.

17. The method of claim 13, wherein:

the one user selected presentation form is the one user selected presentation form and represents the user selected background image;

the processor is further configured to incorporate the information into the one user selected presentation form by generating an image having the user selected specific background image with the information embedded therein, and to direct transmission of the information incorporated in the second user selected presentation form to the user; and

the communications port transmits the information incorporated in the one user selected presentation form by transmitting the generated image.

18. The method of claim 13, wherein:

the processor is further configured to also incorporate the received information into the other of the first user and the second user selected presentation forms based on the identified risk level and to also direct transmission of the information incorporated in the other user selected presentation form to the user; and

the communications port is further configured to transmit the information incorporated in the other user selected presentation form to the user via the network, in response to the processor directive to transmit the information incorporated in the other user selected presentation form.