Methods and systems for two-factor authentication using contactless chip cards or devices and mobile devices or dedicated personal readers

• US 8,511,547 B2
• Filed: 12/22/2006
• Issued: 08/20/2013
• Est. Priority Date: 12/22/2005
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rans, Jean-Paul Edmond, Vanneste, Paul
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US11/615,577
• Publication Number:
  US 20070278291A1
• Time in Patent Office: 2,433 Days
• Field of Search: 235/380, 235/451, 235/492
• US Class Current: 235/380
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234

Abstract

Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.

Claims

1. A method of generating authentication data for use in a transaction comprising:

providing a contactless chip device associated with at least one authorized user having pre-stored secret data, configured to communicate with an unsecure mobile device;

receiving a first input value into said mobile device;

detecting said contactless chip device in proximity to said mobile device and thereafter beginning communication between said contactless chip device and said mobile device;

communicating data derived from said first input value from said mobile device to said contactless chip device;

receiving a dynamic value derived from said first input value and said pre-stored secret data from said contactless chip device sufficient to validate the involvement in said transaction of said at least one authorized user at said mobile device without receiving said pre-stored secret data at said mobile device;

after said communicating said dynamic value, detecting that said contactless chip device has been removed from being in proximity to said mobile device, thereby preventing further communication between said contactless chip device and said mobile device; and

communicating authentication data based at least in part on said dynamic value to a user of said mobile device.

2. The method of claim 1 further comprising said mobile device generating a second input value, said mobile device communicating said second input value to said contactless chip device, and said dynamic value further derived from said second input value.

3. The method of claim 2 wherein said authentication data further comprises a representation of at least part of said second input value.

4. The method of claim 1 wherein said dynamic value is further derived from a transaction counter stored on said contactless chip device.

5. The method of claim 4 wherein said transaction counter advances by a predetermined value in response to said derivation of said dynamic value.

6. The method of claim 4 wherein said authentication data further comprises a representation of at least part of said transaction counter.

7. The method of claim 1 wherein said first input value comprises a PIN.

8. The method of claim 7 wherein said first input value further comprises a challenge number.

9. The method of claim 7, wherein said secret data comprises a cryptographic key.

10. The method of claim 1 wherein said authentication data further comprises a representation of at least part of said first input value.

11. The method of claim 1 wherein said mobile device is a mobile phone capable of Near Field Communication.

12. The method of claim 1 wherein said mobile device comprises a visual interface and said communicating said authentication data comprises displaying said authentication data on said visual interface.

13. The method of claim 1, wherein said authentication data comprises an authentication token.

14. A method of operating a mobile device to generate authentication data for use in a transaction comprising:

operating said mobile device in accordance with a first mode of operation wherein said mobile device is capable of permitting voice communication between a user of said mobile device and a third party; and

operating said mobile device in accordance with a second mode of operation in response to a command, said second mode of operation comprising;

receiving a first input value;

communicating data derived from said first input value to a contactless chip device associated with at least one authorized user storing secret data via near field communication;

receiving a dynamic value derived from said secret data and said data derived from said first input value from said contactless chip device without receiving said secret data from said contactless chip device, the dynamic value being sufficient to validate the involvement in said transaction of said at least one authorized user; and

communicating authentication data based at least in part on said dynamic value to a user of said mobile device.

15. The method of claim 14, wherein said first input value is a PIN.

16. The method of claim 14, wherein said first input value is a challenge number.

17. The method of claim 14, wherein said communication authentication data comprises displaying authentication data to a user via a display device.

18. An unsecure mobile device for generating authentication data, comprising:

a data entry device capable of receiving data from a user;

a communications device capable of communicating with a contactless chip device associated with at least one authorized user;

a display capable of displaying data to a user; and

a processor programmed with instructions having functionality for;

receiving a first input value from said data entry device;

communicating data derived from said first input value to a contactless chip device storing secret data and receiving a responsive dynamic value calculated using said secret data and said data derived from said first input value without receiving said secret data from said contactless chip device, said dynamic value being sufficient to validate the involvement in said transaction of said at least one authorized user; and

communicating authentication data based at least in part on said responsive dynamic value via said display.

19. The mobile device of claim 18, wherein said first input value is a PIN.

20. The mobile device of claim 18, wherein said first input value is a challenge number.

21. The mobile device of claim 18, further comprising:

a microphone;

a speaker;

a transceiver in electrical communication with said microphone and said speaker, capable of receiving and transmitting signals for voice communication.