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SYSTEM, DESIGN AND PROCESS FOR EASY TO USE CREDENTIALS MANAGEMENT FOR ONLINE ACCOUNTS USING OUT-OF-BAND AUTHENTICATION

  • US 20140223175A1
  • Filed: 12/30/2013
  • Published: 08/07/2014
  • Est. Priority Date: 12/31/2012
  • Status: Active Grant
First Claim
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1. A method for authentication for accessing an online portal in a system comprising a user, a client processing application, a portable communications device, and an authentication server having a provisioned user database and encrypted payload, wherein the method comprises:

  • providing a login portal and screen for access by a user, said login portal being in communication with said client processing application;

    establishing contact between client processing application and authentication server wherein a new authentication session is started;

    generating a session ID at the authentication server, wherein the session ID is communicated to the client processing application through at least a first communications channel;

    creating a multi-dimensional barcode at client processing application, wherein the barcode has dynamic encryption keys, portal information, session ID, and a unique key, and wherein the barcode is displayed at login screen;

    holding client processing application in waiting pending authentication server notification of session validation;

    starting authentication by user entering credential on portable communications device, wherein portable communications device validates credential and displays scan option;

    using portable communications device to scan barcode displayed at login screen and validate client processing application;

    finding on the portable communications device the encrypted user credentials with encryption key from barcode;

    sending encrypted credentials and session ID from portable communications device to authentication server via a outbound out-of-band communications channel;

    checking in provisioned user database of authentication server, wherein session is validated;

    sending encrypted payload to waiting client processing application;

    sending validation result from authentication server to portable communication device where the result is displayed;

    decrypting payload at client processing application using encryption keys;

    extracting and decrypting credentials at client processing application;

    using decrypted credentials to access the online portal.

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