Methods, systems and products for authentication

• US 10,755,279 B2
• Filed: 06/23/2017
• Issued: 08/25/2020
• Est. Priority Date: 12/03/2007
• Status: Active Grant

• Current Assignee: Workday Incorporated
• Original Assignee: AT&T Intellectual Property I LP (AT&T, Inc.)
• Inventors: Gilboy, Christopher P.
• Primary Examiner(s): Cervetti, David Garcia
• Application Number:
  US15/631,008
• Publication Number:
  US 20170286960A1
• Time in Patent Office: 1,159 Days
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/062 Pre-authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/088 using filters or firewalls
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

Multiple authentication procedures enhance security of Internet transactions. For example, a request is received from a customer to access a service. A first authentication request is sent to the customer for first authentication information. A second authentication request may be sent to the customer for second authentication information. The method then enables the customer to proceed with accessing the service if the second authentication information is received.

Claims

1. A system, comprising:

a hardware processor; and

a memory device, the memory device storing code, the code when executed causing the hardware processor to perform operations, the operations comprising;

processing an electronic transaction specifying a network address associated with a device;

querying a database to identify two authentication procedures via different access networks, the database electronically associating authentication procedures and network addresses including the network address specified by the electronic transaction, a first authentication procedure of the two authentication procedures specifying the device and a first access network of the different access networks, and a second authentication procedure of the two authentication procedures specifying a different device and a second access network of the different access networks;

sending two authentication requests to authenticate the electronic transaction, a first authentication request of the two authentication requests sent to the device via the first access network of the different access networks, and a second authentication request of the two authentication requests sent to the different device via the second access network of the different access networks;

determining validations of the two authentication procedures via the different access networks; and

authenticating the electronic transaction in response to the validations of the two authentication procedures via the different access networks.

2. The system of claim 1, wherein the operations further comprise determining a credit card number associated with the electronic transaction.

3. The system of claim 1, wherein the operations further comprise determining a credit card number associated with a device conducting one of the validations.

4. The system of claim 1, wherein the operations further comprise determining a credit card number associated with the network address.

5. The system of claim 1, wherein the operations further comprise identifying the first access network of the different access networks that is specified by the two authentication procedures.

6. The system of claim 1, wherein the operations further comprise identifying the first access network and the second access network of the different access networks that are specified by the two authentication procedures.

7. The system of claim 1, wherein the operations further comprise identifying the different access networks specified by the two authentication procedures.

8. A memory device storing instructions that when executed cause a hardware processor to perform operations, the operations comprising:

processing an electronic transaction associated with a network address and with a device;

querying a database for the network address to identify two authentication procedures specifying different access networks, the database electronically associating authentication procedures and network addresses including the network address specified by the electronic transaction, a first authentication procedure of the two authentication procedures specifying the device and a first access network of the different access networks, and a second authentication procedure of the two authentication procedures specifying a different device and a second access network of the different access networks;

sending a first authentication request via the first access network to the device to authenticate the electronic transaction;

receiving a first authentication information sent via the first access network from the device;

sending a second authentication request via the second access network to the different device to authenticate the electronic transaction;

receiving a second authentication information sent via the second access network from the different device;

determining validations of the two authentication procedures via the different access networks; and

authenticating the electronic transaction in response to the validations of the two authentication procedures via the different access networks.

9. The memory device of claim 8, wherein the operations further comprise determining a credit card number associated with the electronic transaction.

10. The memory device of claim 8, wherein the operations further comprise determining a credit card number associated with the device.

11. The memory device of claim 8, wherein the operations further comprise determining a credit card number associated with the network address.

12. The memory device of claim 8, wherein the operations further comprise identifying the first access network.

13. The memory device of claim 8, wherein the operations further comprise identifying the first access network and the second access network.

14. The memory device of claim 8, wherein the operations further comprise identifying the different access networks specified by the two authentication procedures.