Secure authentication of user and mobile device

• US 10,341,111 B2
• Filed: 08/21/2018
• Issued: 07/02/2019
• Est. Priority Date: 02/17/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Gordon, James, Joshi, Roopesh, Horton, David
• Primary Examiner(s): Revak, Christopher A
• Application Number:
  US16/107,866
• Publication Number:
  US 20180359093A1
• Time in Patent Office: 315 Days
• Field of Search: None
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 2463/121 Timestamp
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• 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 9/3231 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 9/3297 involving time stamps, e.g. generation of time stamps
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys

Abstract

An authentication method is disclosed. To authenticate a user, a mobile device may request identification and verification from the user. Upon receiving a positive identification and verification response from the user, the mobile device may generate a cryptogram using a user identification (ID) associated with the user, a timestamp, a device ID associated with the mobile device, a service provider application ID associated with the service provider application, and a service provider device ID. The mobile device may transmit the generated cryptogram, the user ID, the timestamp, the device ID, the service provider application ID, and the service provider device ID, to a service provider computer associated with the service provider application. The service provider computer may decrypt the cryptogram and compare the decrypted data elements to the received data elements to validate and authenticate the user.

Claims

1. A method for authentication, comprising:

receiving, by a mobile device, a user request to access a service provider application;

in response to the user request to access the service provider application, requesting, by the mobile device, using the service provider application, identification and verification from a user via an identification and verification application residing within the mobile device;

receiving, by the identification and verification application on the mobile device, a positive identification and verification response;

generating, by a cryptogram generation module in the mobile device, a cryptogram using at least a user identification (ID) associated with the user, and a service provider device ID; and

transmitting, by the mobile device, the generated cryptogram, the user ID, and the service provider device ID to a service provider computer associated with the service provider application,

wherein the service provider computer verifies the cryptogram using at least the user ID and the service provider device ID.

2. The method of claim 1, wherein the cryptogram is generated within a secure element (SE) of the mobile device.

3. The method of claim 1, wherein the service provider computer verifies the cryptogram by determining a plurality of data elements encoded within the cryptogram, and then comparing the determined plurality of data elements to at least the user ID and the service provider device ID received by the service provider computer.

4. The method of claim 3, wherein the user and the mobile device are authenticated based on the comparing.

5. The method of claim 1, wherein the cryptogram is also generated using the positive identification and verification response.

6. The method of claim 1, wherein the identification and verification comprises at least one of fingerprint identification and verification, iris identification and verification, and/or voice identification and verification.

7. The method of claim 1, wherein the cryptogram is transmitted to the service provider computer over the Internet.

8. The method of claim 1, wherein the service provider computer is a digital wallet provider computer and the service provider application is a digital wallet application.

9. A mobile device, comprising:

a processor; and

a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor, for implementing a method;

receiving a user request to access a service provider application;

in response to the user request to access the service provider application, requesting, using the service provider application, identification and verification from a user via an identification and verification application residing within the mobile device;

receiving, by the identification and verification application on the mobile device, a positive identification and verification response;

generating, by a cryptogram generation module on the mobile device, a cryptogram using at least a user identification (ID) associated with the user, and a service provider device ID; and

transmitting the generated cryptogram, the user ID, and the service provider device ID to a service provider computer associated with the service provider application,

wherein the service provider computer verifies the cryptogram, using at least the user ID and the service provider device ID.

10. The mobile device of claim 9, wherein the cryptogram is generated within a secure element (SE) of the mobile device.

11. The mobile device of claim 9, wherein the service provider computer verifies the cryptogram by determining a plurality of data elements encoded within the cryptogram, and then comparing the determined plurality of data elements to at least the user ID, and the service provider device ID received by the service provider computer.

12. The mobile device of claim 11, wherein the user and the mobile device are authenticated based on the comparing.

13. The mobile device of claim 9, wherein the cryptogram is also generated using the positive identification and verification response.

14. The mobile device of claim 9, wherein the identification and verification comprises at least one of fingerprint identification and verification, iris identification and verification, or voice identification and verification.

15. The mobile device of claim 9, wherein the cryptogram is transmitted to the service provider computer over the Internet.

16. The mobile device of claim 9, wherein the cryptogram is matched to a transaction ID by the service provider computer.

17. A method for authentication, comprising:

receiving, by a service provider computer associated with a service provider application, a generated cryptogram, a user ID, and a service provider device ID from a mobile device, wherein the generated cryptogram was generated by a cryptogram generation module on the mobile device, by encrypting at least the user ID and the service provider device ID using the cryptogram generation module on the mobile device;

decrypting, by the service provider computer, the received generated cryptogram; and

verifying, by the service provider computer, the generated cryptogram by determining a plurality of data elements encoded within the generated cryptogram, and then comparing the determined plurality of data elements to at least the user ID and the service provider device ID received by the service provider computer.

18. The method of claim 17, further comprising:

authenticating a user of the mobile device based on the verifying.

19. The method of claim 17, wherein the generated cryptogram was generated by the mobile device in response to receiving by the service provider application, the service provider application being on the mobile device, a positive identification and verification response, the positive identification and verification response received in response to an identification and verification request, to a user of the mobile device, initiated by an identification and verification application on the mobile device.

20. The method of claim 19, wherein the identification and verification application performs at least one of fingerprint identification and verification, iris identification and verification, or voice identification and verification.

21. A service provider computer comprising:

a processor; and

a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor to implement a method comprising,

receiving, by the service provider computer associated with a service provider application, a generated cryptogram, a user ID, and a service provider device ID from a mobile device, wherein the generated cryptogram was generated by a cryptogram generation module on the mobile device, by encrypting at least the user ID and the service provider device ID using the cryptogram generation module on the mobile device;

decrypting, by the service provider computer, the received generated cryptogram; and

verifying, by the service provider computer, the generated cryptogram by determining a plurality of data elements encoded within the generated cryptogram, and then comparing the determined plurality of data elements to at least the user ID and the service provider device ID received by the service provider computer.