Multi-factor authentication and certification system for electronic transactions
First Claim
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1. A method for secure transmission of information, comprising:
- composing, at a sender device, a message;
automatically generating a one-time passcode to be included in the message before sending, wherein the one-time passcode is generated from an embedded algorithm utilizing one or more features unique to the sender device;
sending, from the sender device to a receiver device, the message including the one-time passcode for securely authenticating the sender identity; and
receiving, from the receiver device, a confirmation of the message.
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Abstract
The present invention provides computer-enable certification and authentication in, for example, e-commerce with wireless and mobile devices. The present authentication method offers ease of operation by automatically embedding a one-time passcode to the message without the sender input. A one-time key can also be used to encrypt the message, further providing transmission security. In addition, sensitive information and one-time passcode generator are pre-arranged and stored at both sender and receiver devices, avoiding information comprising in wireless environment transmission.
135 Citations
65 Claims
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1. A method for secure transmission of information, comprising:
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composing, at a sender device, a message; automatically generating a one-time passcode to be included in the message before sending, wherein the one-time passcode is generated from an embedded algorithm utilizing one or more features unique to the sender device; sending, from the sender device to a receiver device, the message including the one-time passcode for securely authenticating the sender identity; and receiving, from the receiver device, a confirmation of the message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A system for secure transmission of information, comprising:
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means for composing a message; means for automatically generating a one-time passcode to be included in the message before sending, wherein the one-time passcode is generated from an embedded algorithm utilizing one or more features unique to the system; means for sending the message including the one-time passcode for securely authenticating the sender identity; and means for receiving a confirmation of the message. - View Dependent Claims (19, 20, 21)
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22. A method for secure transmission of information, comprising:
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composing, at a sender device, a message; generating a one-time passcode, wherein the one-time passcode is generated from an embedded algorithm utilizing one or more features stored in the sender device, the one or more feature also stored in an account at a receiver, and the algorithm is pre-arranged with the receiver to generate the same one-time passcode utilizing the same one or more features; sending, from the sender device to a receiver device, the message including the one-time passcode for securely authenticating the sender identity; and receiving, from the receiver device, a confirmation of the message. - View Dependent Claims (23, 24, 25, 26, 27)
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28. A method for secure transmission of information, comprising:
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receiving, from a sender device to a receiver device, a message including a one-time passcode and an identification of the sender; retrieving, at the receiver device, a matching passcode, wherein the matching passcode is generated from an algorithm utilizing one or more information stored in an account identified by the sender identification; if the matching passcode matched with the one-time passcode, sending, from the receiver device to the sender device, a confirmation of the message. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. A method for secure transmission of information, comprising:
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receiving, from a sender device to a receiver device, a message including a one-time passcode and an identification of the sender; retrieving, at the receiver device, a matching passcode, wherein the matching passcode is generated from an algorithm utilizing one or more information stored in an account identified by the sender identification and in the sender device; and wherein the algorithm is pre-arranged between the sender device and the receiver device to generate the same one-time passcode for the same one or more features; if the matching passcode matched with the one-time passcode, sending, from the receiver device to the sender device, a confirmation of the message. - View Dependent Claims (41, 42)
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43. A mobile device for secure transmission of information, comprising:
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a communication module for transmitting and receiving messages; a keypad module for composing a message, the keypad interface comprising a send feature for transmitting the message; a one-time passcode generator employing an algorithm utilizing one or more features unique to the mobile device; a processor for automatically generating and including the one-time passcode to the message before transmission, wherein the one-time passcode is included in the message for securely authenticate the message. - View Dependent Claims (44, 45, 46, 47, 48, 49, 50)
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51. A server for secure transmission of information, comprising:
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a communication module for transmitting and receiving messages; a module for extracting a sender identification and a one-time passcode from the message; a one-time passcode generator employing an algorithm utilizing one or more information stored in an account identified by the sender identification; a processor for comparing the received one-time passcode and the generated one-time passcode, wherein an acknowledgement is sent if the received one-time passcode matches the generated one-time passcode. - View Dependent Claims (52, 53, 54)
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55. A system for secure transmission of information, comprising:
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a plurality of mobile devices; a server; wherein at least one mobile device is configured to composing a message; automatically generating a one-time passcode to be included in the message before sending, wherein the one-time passcode is generated from an embedded algorithm utilizing one or more features unique to the mobile device; sending, to the server, the message including the one-time passcode for securely authenticating the sender identity; and receiving, from the server, a confirmation of the message; and wherein the server is configured to receiving, from a mobile device, a message including a one-time passcode and an identification of the sender; retrieving a matching passcode, wherein the matching passcode is generated from an algorithm utilizing one or more information stored in an account identified by the sender identification; if the matching passcode matched with the one-time passcode, sending, to the mobile device, a confirmation of the message. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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Specification