System for user authentication based on linking a randomly generated number to the user and a physical item
First Claim
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1. A system for authenticating a recipient of a physical item, the system comprising:
- a mobile device including a memory and one or more processors in communication with the memory;
a mobile application stored in the memory, executable by the one or more processors and including;
a random number generator configured to generate a random number;
a linking application configured to;
link the random number with a physical item, a presenter of the physical item, a recipient of the physical item, and a period of time for conducting an event using the physical item, andstore the random number and a physical item identifier, a presenter identifier, a recipient identifier and a period of time identifier in an authentication database; and
a physical item-generator configured to generate the physical item that includes the random number in place of information associated with the presenter,wherein (i) generating the random number, (ii) linking the random number with the physical item, the presenter, the recipient and the period of time, and (iii) generating the physical item are all conducted in unison in response to receiving an input request via the mobile application; and
an authentication module stored in second memory, executable by one or more second processors and configured to;
in response to receiving (i) an input of a number and (ii) an a recipient identifier from the recipient or a source associated with the recipient, access the authentication database to compare (i) the inputted number to the random number, and (ii) the inputted recipient identifier to the stored recipient identifier, andin response to determining a match between the inputted number and the random number and between the inputted recipient identifier and the stored recipient identifier, authenticate the recipient.
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Abstract
A system for authenticating recipients of a physical item based on generating a random number and linking the random number to the physical item and the intended recipient. Once the intended recipient is in possession of the physical item and the generated random number, the intended recipient is authorized for the purpose of using/processing the physical item by presenting the random number for recipient authentication. In other specific embodiments of the invention, the physical item is generated with the random number included in place of personal information associated with the provider.
621 Citations
13 Claims
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1. A system for authenticating a recipient of a physical item, the system comprising:
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a mobile device including a memory and one or more processors in communication with the memory; a mobile application stored in the memory, executable by the one or more processors and including; a random number generator configured to generate a random number; a linking application configured to; link the random number with a physical item, a presenter of the physical item, a recipient of the physical item, and a period of time for conducting an event using the physical item, and store the random number and a physical item identifier, a presenter identifier, a recipient identifier and a period of time identifier in an authentication database; and a physical item-generator configured to generate the physical item that includes the random number in place of information associated with the presenter, wherein (i) generating the random number, (ii) linking the random number with the physical item, the presenter, the recipient and the period of time, and (iii) generating the physical item are all conducted in unison in response to receiving an input request via the mobile application; and an authentication module stored in second memory, executable by one or more second processors and configured to; in response to receiving (i) an input of a number and (ii) an a recipient identifier from the recipient or a source associated with the recipient, access the authentication database to compare (i) the inputted number to the random number, and (ii) the inputted recipient identifier to the stored recipient identifier, and in response to determining a match between the inputted number and the random number and between the inputted recipient identifier and the stored recipient identifier, authenticate the recipient. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system for authenticating a payee during a transaction, the system comprising:
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a mobile device including a memory and one or more processors in communication with the memory; a mobile application stored in the memory, executable by the one or more processors and including; a random number generator configured to generate a random number; a linking application configured to; link the random number with a physical payment instrument, a payor, a payee, and a period of time for conducting a transaction using the physical payment instrument, and store the random number and a payment instrument identifier, a payor identifier, a payee identifier and a period of time identifier in an authentication database; a payment instrument-generator configured to generate a payment instrument that includes the random number in place of at least a portion of at least one of a routing number, an account number and a check number, wherein (i) generating the random number, (ii) linking the random number with the physical payment instrument, the payor, the payee and the period of time, and (iii) generating the physical payment instrument are all conducted in unison in response to receiving an input request via the mobile application; and an authentication module stored in second memory, executable by one or more second processors and configured to; in response to receiving an input of (i) a number and (ii) a payee identifier from the payee or a payee source, access the authentication database to compare (i) the inputted number to the random number, and (ii) the inputted payee identifier to the stored payee identifier, and in response to determining a match between the inputted number and the random number and between the inputted payee identifier and the stored payee identifier, authenticate the payee.
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Specification