System and method for transaction authentication using a mobile communication device
First Claim
1. A method for authentication comprising:
- initiating a transaction with a transaction server coupled to a computer network, the transaction requiring a security code for authentication;
providing an identity token associated with a mobile communication device associated with the transaction requestor to a transaction authentication server;
the transaction authentication server using the identity token to communicate with a public mobile telephone network associated with the mobile communication device to thereby initiate a re-registration of the mobile communication device;
generating the security code at the transaction authentication server;
transmitting the security code to the mobile communication device;
providing the security code to the transaction server; and
transmitting the security code from the transaction server to the transaction authentication server to authenticate the security code.
4 Assignments
0 Petitions
Accused Products
Abstract
A transaction authentication system uses a computer network and mobile telephone network to authenticate a user. The user initiates a transaction and provides an identity token, such as the mobile telephone number. The identity token is used by an authentication server to initiate the issuance of a new temporary identity for the corresponding mobile device. The new temporary identity is forwarded from the mobile device to the authentication server which issues a security code if there is a match between the new temporary identities. The security code is forwarded to a transaction server which relays it to the authentication server. If the forwarded security code matches the generated security code, the transaction is permitted to continue.
245 Citations
42 Claims
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1. A method for authentication comprising:
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initiating a transaction with a transaction server coupled to a computer network, the transaction requiring a security code for authentication; providing an identity token associated with a mobile communication device associated with the transaction requestor to a transaction authentication server; the transaction authentication server using the identity token to communicate with a public mobile telephone network associated with the mobile communication device to thereby initiate a re-registration of the mobile communication device; generating the security code at the transaction authentication server; transmitting the security code to the mobile communication device; providing the security code to the transaction server; and transmitting the security code from the transaction server to the transaction authentication server to authenticate the security code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A system for transaction authentication requiring a security code using a mobile communication device coupled to a mobile network, comprising:
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a transaction server coupled to a computer network and configured to receive data to initiate a transaction; a transaction authentication server coupled to the computer network and configured to receive an identity token associated with a transaction request and to communicate with the mobile network using the identity token to initiate re-registration of the mobile communication device, the transaction authentication server to generate the security code and to provide the security code to the mobile communication device; and a data storage element associated with the transaction authentication server configured to store the security code in association with the mobile communication device; wherein the transaction server is further configured to receive the security code from the mobile communication device and to forward the received security code to the transaction authentication server to permit the transaction authentication server to authenticate the security code. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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Specification