MULTI-FACTOR AUTHENTICATION USING A ONE TIME PASSWORD

• US 20080249947A1
• Filed: 04/09/2007
• Published: 10/09/2008
• Est. Priority Date: 04/09/2007
• Status: Abandoned Application

• Current Assignee: US Bank National Association (US Bancorp)
• Original Assignee: US Bank National Association (US Bancorp)
• Inventors: Potter, Eric R.
• Application Number:
  US11/697,881
• Publication Number:
  US 20080249947A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06F 2221/2151 Time stamp
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

A method of authenticating a user includes receiving a one time password from the user. The received one time password is compared to a first one time password associated with the user and provided to the user on a receipt corresponding to a transaction. The user is authenticated into a service only if the received one time password matches the first one time password associated with the user.

Claims

1. A method of authenticating a user, the method comprising:

receiving a one time password from a user;

comparing the received one time password to a first one time password associated with the user and provided to the user on a receipt corresponding to a transaction; and

authenticating the user into a service only if the received one time password matches the first one time password associated with the user.

2. The method of claim 1, further comprising providing the first one time password to the user.

3. The method of claim 1, further comprising receiving a one time password request from the user.

4. The method of claim 1, wherein the receipt is provided to the user through an automated teller machine

5. The method of claim 1, wherein the receipt is provided to the user by a service representative.

6. The method of claim 5, wherein the service representative comprises a bank teller.

7. The method of claim 1 wherein the transaction comprises a one time password request.

8. The method of claim 1, wherein the transaction comprises at least one of a money withdrawal, a money deposit, a transfer of funds, and an account balance request.

9. The method of claim 1, wherein the receipt further comprises an identifier corresponding to the first one time password such that the user can distinguish the first one time password from a second one time password on the receipt.

10. The method of claim 1, wherein the receipt further comprises a receipt identifier such that the receipt can be distinguished from a second receipt.

11. A method of authenticating a user comprising:

receiving authentication information from the user, wherein the authentication information comprises a one time password;

comparing the received one time password to a first one time password associated with the user and provided to the user through an automated teller machine; and

authenticating the user into a service only if the received one time password matches the first one time password associated with the user.

12. The method of claim 11, wherein the authentication information further comprises a username and a password.

13. The method of claim 11, wherein the automated teller machine provides the first one time password to the user on a receipt.

14. The method of claim 11, wherein the service comprises an online banking service.

15. The method of claim 11, wherein the service comprises an interactive voice response banking service.

16. An automated teller machine comprising:

a one time password storage unit capable of storing a one time password;

a printing apparatus, wherein the printing apparatus is capable of printing the one time password such that the one time password can be presented to a user; and

a distribution mechanism capable of distributing the printed one time password to the user.

17. The automated teller machine of claim 16, further comprising a one time password generating unit capable of generating the one time password.

18. The automated teller machine of claim 16, wherein the one time password is printed on a receipt.

19. The automated teller machine of claim 16, wherein the one time password is printed on a grid card.

20. The automated teller machine of claim 16, further comprising an input mechanism capable of receiving authentication information from the user.