Systems and methods for accessing a secure electronic environment with a mobile device
First Claim
Patent Images
1. A computer implemented method, comprising:
- receiving, at a computing system, an indication that a customer seeks to access, using a mobile device of the customer, a banking account of the customer;
associating, at the computing system, a first mobile user identification (MUID) code with the banking account;
verifying, at the computing system, a customer verification code, the customer verification code being sent by the mobile device;
verifying, at the computing system, a second MUID code which uniquely identifies the mobile device, by comparing the second MUID code with the first MUID code previously associated with the banking account;
associating, at the computing system, a first customer number with the mobile device;
upon verification of the customer verification code and the second MUID code, (i) sending the first customer number from the computing system to the mobile device, and (ii) activating, at the computing system, the first customer number associated with the banking account;
registering, at the computing system, a first customer personal identification number, the first customer personal identification number entered by the customer; and
allowing, at the computing system, the mobile device to access the banking account.
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Accused Products
Abstract
The invention provides a system and methods for multifactor authentication of a mobile device for access to an electronic account. The mobile device may serve as one factor of a multifactor authentication process. A time based activation code may be generated in order to enroll an electronic account for mobile access.
18 Citations
20 Claims
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1. A computer implemented method, comprising:
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receiving, at a computing system, an indication that a customer seeks to access, using a mobile device of the customer, a banking account of the customer; associating, at the computing system, a first mobile user identification (MUID) code with the banking account; verifying, at the computing system, a customer verification code, the customer verification code being sent by the mobile device; verifying, at the computing system, a second MUID code which uniquely identifies the mobile device, by comparing the second MUID code with the first MUID code previously associated with the banking account; associating, at the computing system, a first customer number with the mobile device; upon verification of the customer verification code and the second MUID code, (i) sending the first customer number from the computing system to the mobile device, and (ii) activating, at the computing system, the first customer number associated with the banking account; registering, at the computing system, a first customer personal identification number, the first customer personal identification number entered by the customer; and allowing, at the computing system, the mobile device to access the banking account. - View Dependent Claims (2, 3, 4, 5, 14, 15, 16, 17)
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6. A machine readable storage medium containing instructions that, when executed by a data processing system, will cause the system to perform a computer implemented method, the method comprising:
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receiving, at a data processing system, an indication that a customer seeks to access, using a mobile device of the customer, a banking account of the customer; associating, at the data processing system, a first mobile user identification (MUID) code with the banking account; verifying, at the data processing system, a customer verification code, the customer verification code being sent by the mobile device; verifying, at the data processing system, a second MUID code which uniquely identifies the mobile device, by comparing the second MUID code with the first MUID code previously associated with the banking account; associating, at the data processing system, a first customer number with the mobile device; upon verification of the customer verification code and the second MUID code, (i) sending the first customer number from the data processing system to the mobile device, and (ii) activating, at the data processing system, the first customer number associated with the banking account; registering, at the data processing system, a first customer personal identification number, the first customer personal identification number entered by the customer; and allowing, at the data processing system, the mobile device to access the banking account. - View Dependent Claims (7, 8, 18, 19, 20)
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9. A computer implemented method, comprising:
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sending an indication that a customer seeks to access, using a mobile device of the customer, a banking account of the customer; sending a customer verification code, the customer verification code being sent by the mobile device to a secure electronic environment, wherein the banking account is protected within the secure electronic environment; sending a first mobile user identification (MUID) code, the first MUID code uniquely identifying the mobile device and sent by the mobile device to the secure electronic environment so as to allow verification of the first MUID code in the secure electronic environment, the verification by comparing the first MUID code with a second MUID code associated with the banking account; upon verifying the customer verification code and the first MUID code in the secure electronic environment, receiving, at the mobile device, (i) confirmation of an activation of a customer number at the mobile device and (ii) the customer number, wherein the customer number is associated with the banking account; storing the customer number at the mobile device; and sending a customer personal identification number from the mobile device to the secure electronic environment, the customer personal identification number entered by a the customer to access the banking account. - View Dependent Claims (10, 11)
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12. A machine readable storage medium containing instructions that, when executed by a data processing system, will cause the system to perform a computer implemented method, the method comprising:
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sending an indication that a customer seeks to access, using a mobile device of the customer, a banking account of the customer; sending a customer verification code, the customer verification code being sent by the mobile device to a secure electronic environment, wherein the banking account is protected within the secure electronic environment; sending a first mobile user identification (MUID) code, the first MUID code uniquely identifying the mobile device and sent by the mobile device to the secure electronic environment so as to allow verification of the first MUID code in the secure electronic environment, the verification by comparing the first MUID code with a second MUID code associated with the banking account; upon verifying the customer verification code and the first MUID code in the secure electronic environment, receiving, at the mobile device, (i) confirmation of an activation of a customer number at the mobile device and (ii) the customer number, wherein the customer number is associated with the banking account; storing the customer number at the mobile device; and sending a customer personal identification number from the mobile device to the secure electronic environment, the customer personal identification number entered by the customer to access the banking account. - View Dependent Claims (13)
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Specification