AUTHENTICATION METHOD

• US 20130104212A1
• Filed: 10/23/2011
• Published: 04/25/2013
• Est. Priority Date: 10/23/2011
• Status: Active Grant

• Current Assignee: Textile Computer Systems, Inc.
• Original Assignee: Textile Computer Systems, Inc.
• Inventors: Nandakumar, Gopal
• Granted Patent: US 8,800,014 B2
• Time in Patent Office: Days
• US Class Current: 726/7
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• 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 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3271 using challenge-response

Abstract

A system and method whereby the identity of a person, entity, device or the like attempting to gain access to a secured resource may be securely authenticated includes a means for receiving from a service client a request for access to a secured resource; means for generating and communicating to the purported authorized user a challenge string adapted to provide a basis for authenticating the identity of the requester; a means for receiving from the service client a response string corresponding to the challenge string; and a means for evaluating the response string to authenticate the identity of the requester. The secured resource has a common identifier by which it may be generally identified outside of the authentication system, but the request for access lacks sufficient information content for the service client to be able to determine the common identifier.

Claims

1. A method for authenticating the identity of a requester of access to a secured resource, said method for authenticating comprising the steps of:

receiving from a service client a request for access to a secured resource, said request for access having been submitted to said service client by a requester purporting to be an authorized user of said secured resource;

generating a challenge string, said challenge string being adapted to provide a basis for authenticating the identity of said requester;

communicating said challenge string through a discrete channel to said authorized user that said requester purports to be;

receiving from said service client a response string corresponding to said challenge string;

evaluating said response string to authenticate the identity of said requester; and

wherein;

said secured resource comprises a common identifier by which said secured resource may be generally identified outside of said authentication system; and

said request for access comprises insufficient content for said service client to determine said common identifier.

2. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 1, said method for authenticating further comprising the step of determining from among a plurality of secured resources associated with said authorized user the identity of a single secured resource to which said requester requests access.

3. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 2, wherein said step of determining said single secured resource comprises sorting said plurality of secured resources by priority values.

4. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 2, wherein said step of determining said single secured resource comprises:

generating an inquiry message, said inquiry message referring to each of said plurality of secured resources by a pseudonym;

transmitting said inquiry message to said service client for presentation to said authorized user;

receiving a response to said inquiry message from said service client; and

determining based upon said response to said inquiry message the identity of a single secured resource to which said requester requests access.

5. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 2, wherein said step of determining said single secured resource comprises generating a plurality of challenge strings, each one of said plurality of challenge strings being associated with a single one of said plurality of secured resources.

6. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 1, said method for authenticating further comprising the step of determining based upon passage of time whether said response string should be deemed invalid.

7. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 1, said method for authenticating further comprising the step of conducting for the benefit of said service client a transaction reliant upon access to said secured resource.

8. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 7, said method for authenticating further comprising the steps of:

generating a receipt for said transaction; and

transmitting said receipt to said authorized user.

9. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 7, wherein said transaction comprises providing a financial benefit.

10. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 9, wherein said secured resource comprises a payment resource selected from the group consisting of:

a credit card account;

a banking account; and

an automated teller machine account.

11. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 9, wherein said service client comprises a vendor selected from the group consisting of:

a retail store;

a service station;

an on-line service provider; and

an on-line merchandiser.

12. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 7, wherein said secured resource comprises a medical record.

13. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 12, wherein said service client comprises an information consumer selected from the group consisting of:

a healthcare provider; and

a medical insurer.

14. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 7, wherein said secured resource comprises an information product.

15. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 14, wherein said information product comprises a credit data.

16. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 1, said method for authenticating further comprising the step of establishing a test adapted to detect the existence of a spoofing type deception.

17. The method for authenticating the identity of a requester of access to a secured resource as recited in claim 16, wherein said test adapted to detect the existence of a spoofing type deception is further adapted to at least in part authenticate the identity of said requester.