Authentication services using mobile device
First Claim
Patent Images
1. A method, comprising:
- authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator;
providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and
inputting, by a user, the PIE and a provider action, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network to authorize an action with a provider.
2 Assignments
0 Petitions
Accused Products
Abstract
A method, and an apparatus performing the method, is provided by authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator; providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and inputting, by a user, the PIE and a provider action, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network to authorize an action with a provider.
-
Citations
31 Claims
-
1. A method, comprising:
-
authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator;
providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and
inputting, by a user, the PIE and a provider action, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network to authorize an action with a provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
-
-
17. A method, comprising:
-
registering, by a provider, with a secure transaction server (STS) for a user authentication service to perform an action at the provider;
wirelessly transmitting, by a user, a user authorization request to the STS;
authenticating by the STS the user, according to the wirelessly transmitted user authorization request; and
transmitting, by the STS, to the provider a user authentication service result to authorize the action at the provider, according to the authenticating. - View Dependent Claims (18, 19, 20)
-
-
21. A method, comprising:
-
registering, by a user, with a website provider a mobile device of the user for a mobile device payment service;
registering, by the user, with the website provider an authentication instrument;
purchasing, by the user, from the website provider using the registered mobile device, according to a process comprising;
accessing the website via the mobile device, entering at the mobile device a mobile number of the registered mobile device, at a time of purchase at the website, selecting at the mobile device a payment method to the provider; and
completing the purchase by presenting the provider-registered authentication instrument to collect the purchase. - View Dependent Claims (22)
-
-
23. A method, comprising:
-
authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator;
providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator;
providing for a user bank automated teller machine (ATM) transaction, a mobile device user authentication;
requesting, by the ATM, from the STS a transaction token for the mobile device user authentication of the user ATM transaction and presenting the transaction token to the user;
requesting the user to verify the user ATM transaction from the mobile device authenticator of the user, according to the transaction token;
transmitting by the ATM to the STS an ATM transaction authorization to authorize the mobile device user authentication of the user ATM transaction identified by the transaction token;
inputting, by the user, a PIE and the transaction token, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network as a user authorization of the user ATM transaction, based upon the PIE, the transaction token and the authentication parameter;
verifying, by the STS, the ATM transaction authorization and the user ATM transaction authorization;
transmitting, by the STS, a user authentication result to the ATM, according to the verifying; and
completing the user ATM transaction, according to the user authentication result from the STS.
-
-
24. A method, comprising:
-
authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator;
providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator;
identifying a bank automated teller machine (ATM);
inputting, by the user, a PIE and an ATM identifier according to the ATM identifying, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network as a user authorization of a mobile device user authentication of a user ATM transaction, based upon the PIE, the ATM identifier and the authentication parameter;
transmitting by the STS to the ATM an ATM transaction information including a transaction token, as an ATM transaction authorization, based upon the user ATM transaction;
verifying, by the STS, the ATM transaction authorization and the user ATM transaction authorization; and
transmitting by the STS to the mobile device authenticator and the ATM, a confirmation code according to the verifying;
presenting by the user the confirmation code to the ATM to complete the user ATM transaction. - View Dependent Claims (25)
-
-
26. An apparatus, comprising:
an authentic wireless communication processor, based upon an authentication parameter from a secure transaction server (STS), to control the apparatus according to a process comprising;
receiving a personal identification entry (PIE) of a user and a provider action, and wirelessly transmitting a transformed secure user authenticable authorization request to the STS to authorize the action with the provider. - View Dependent Claims (27, 28, 29, 30)
-
31. An apparatus, comprising:
-
a provider system;
a secure transaction server; and
an authentic wireless communicator, based upon an authentication parameter from the secure transaction server (STS), to control the wireless communicator according to a process comprising;
receiving a personal identification entry (PIE) of a user and a provider system action, and wirelessly transmitting a transformed secure user authenticable authorization request to the STS to authorize the action with the provider system.
-
Specification