Key camouflaging method using a machine identifier
First Claim
1. A method of generating a user one-time passcode (OTP) for a provider account, the method comprising:
- providing a fingerprint code (FPC) to a user device using a provisioning server;
collecting FPC information from the user device using the fingerprint code, wherein the FPC information is unique to the user device;
generating a machine effective speed calibration (MESC) using the FPC information and a MESC generator;
camouflaging at least one key with a personal identification number (PIN) and the MESC to provide at least one camouflaged key;
wherein the at least one camouflaged key is defined by the provider account and camouflaged with the personal identification number (PIN) and the (MESC);
generating a cardstring using the at least one camouflaged key and the provisioning server prior to providing the cardstring to a passcode application, wherein the cardstring is defined by the at least one camouflaged key and configured to generate the OTP for the provider account;
providing the passcode application to the user device;
providing the cardstring to the passcode application on the user device;
storing the cardstring on the user device;
providing the PIN and the MESC to the passcode application;
wherein the passcode application is configured to generate a passcode configured as the user OTP for the provider account using the cardstring and the PIN and the MESC; and
generating the user OTP on the user device using the passcode application and the cardstring on the user device.
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Accused Products
Abstract
A method is provided for generating a human readable passcode to an authorized user including providing a control access datum and a PIN, and generating a unique machine identifier for the user machine. The method further includes modifying the controlled access datum, encrypting the controlled access datum using the PIN and/or a unique machine identifier to camouflage the datum, and generating a passcode using the camouflaged datum and the PIN and/or the unique machine identifier. A mobile user device may be used to execute the method in one embodiment. The passcode may be used to obtain transaction authorization and/or access to a secured system or secured data. The unique machine identifier may be defined by a machine effective speed calibration derived from information collected from and unique to the user machine.
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Citations
19 Claims
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1. A method of generating a user one-time passcode (OTP) for a provider account, the method comprising:
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providing a fingerprint code (FPC) to a user device using a provisioning server; collecting FPC information from the user device using the fingerprint code, wherein the FPC information is unique to the user device; generating a machine effective speed calibration (MESC) using the FPC information and a MESC generator; camouflaging at least one key with a personal identification number (PIN) and the MESC to provide at least one camouflaged key; wherein the at least one camouflaged key is defined by the provider account and camouflaged with the personal identification number (PIN) and the (MESC); generating a cardstring using the at least one camouflaged key and the provisioning server prior to providing the cardstring to a passcode application, wherein the cardstring is defined by the at least one camouflaged key and configured to generate the OTP for the provider account; providing the passcode application to the user device; providing the cardstring to the passcode application on the user device; storing the cardstring on the user device; providing the PIN and the MESC to the passcode application; wherein the passcode application is configured to generate a passcode configured as the user OTP for the provider account using the cardstring and the PIN and the MESC; and generating the user OTP on the user device using the passcode application and the cardstring on the user device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 14)
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13. A system for providing a one-time passcode (OTP), for a provider account, the system comprising:
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a user device configured to receive a passcode application, a fingerprint code (FPC);
a cardstring, and a personal identification number (PIN);wherein the fingerprint code is configured to collect FPC information from the user device, wherein the FPC information is unique to the user device; a machine effective speed calibration (MESC) generator configured to generate a MESC using the FPC information; and a provisioning server configured to provide a cardstring to the user device; wherein the cardstring is defined by at least one key defined by the provider account and camouflaged with the PIN and the MESC to provide a camouflaged key; wherein the passcode application is configured to generate a passcode configured as a user OTP for the provider account using the cardstring; and wherein the cardstring is stored on the user device. - View Dependent Claims (15, 16, 17, 18, 19)
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Specification