ENHANCED 2CHK AUTHENTICATION SECURITY WITH INFORMATION CONVERSION BASED ON USER-SELECTED PERSONA

• US 20140041000A1
• Filed: 10/10/2013
• Published: 02/06/2014
• Est. Priority Date: 06/07/2012
• Status: Active Grant

• Current Assignee: Payfone Incorporated
• Original Assignee: Authentify, Inc. (Early Warning Services, LLC)
• Inventors: ROLFE, Andrew Robert
• Granted Patent: US 10,033,701 B2
• Time in Patent Office: Days
• US Class Current: 726/5
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/42 using separate channels for security data
• CPC Class Codes: H04L 63/04 for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• 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: H04L 9/3228 One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3271 using challenge-response

Abstract

A server is operated to securely convey information to a user via a network by receiving, from the user, a user selected presentation form representing one of a user selected specific voice and a user selected specific background image. Information for presentation to the user is received from another user and incorporated into the user selected presentation form. The information incorporated in the user selected presentation form is transmitted to the user via the network for presentation to the user.

Claims

1-6. -6. (canceled)

7. A method of operating a server to securely convey information to a user via a network, comprising:

receiving, from the user, a user selected presentation form representing one of a user selected specific voice and a user selected specific background image;

receiving, from another user, information for presentation to the user;

incorporating the received information into the user selected presentation form; and

transmitting the information incorporated in the user selected presentation form to the user via the network.

9. The method of claim 7, wherein:

the user selected presentation form represents the user selected specific voice;

the received information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the user selected presentation form is transmitted by transmitting the generated voice stream.

10. The method of claim 9, wherein the received information is received first information, and further comprising:

receiving, from the user, another user selected presentation form representing the user selected specific background image;

receiving, from the other user, second information, different from the first information, for presentation to the user;

incorporating the received second information into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein; and

transmitting the second information incorporated in the other user selected presentation form to the user via the network by transmitting the generated image.

11. The method of claim 10, further comprising:

identifying a first risk level for the first information and a second risk level for the second information;

wherein the received first information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the first information based on the identified first risk level; and

wherein the received second information is incorporated into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein based on the identified second risk level.

12. The method of claim 7, wherein the user selected presentation form is a first user selected presentation form and represents the user selected specific voice, and further comprising:

receiving, from the user, a second user selected presentation form representing a user selected specific background image;

incorporating the received information into the second user selected presentation form; and

transmitting the information incorporated in the second user selected presentation form to the user via the network.

13. The method of claim 12, further comprising:

identifying a risk level for the received information;

wherein the received information is incorporated into both the first user and the second user selected presentation forms based on the identified risk level.

8. (canceled)

14. An article of manufacture for securely conveying information to a user via a network, comprising:

non-transitory storage media; and

logic stored on the storage media, wherein the stored logic is configured to be executable by a processor and thereby cause the processor to operate so as to;

receive, from a user, a user selected presentation form representing one of a user selected specific voice and a user selected specific background image;

receive, from another user, information for presentation to the user;

incorporate the received information into the user selected presentation form; and

direct transmission of the information incorporated in the user selected presentation form to the user via the network.

15. The article of manufacture of claim 14, wherein:

the user selected presentation form represents the user selected specific voice;

the received information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the user selected presentation form is transmitted by transmitting the generated voice stream.

16. The article of manufacture of claim 15, wherein the received information is received first information, and the stored logic is further configured to cause the processor to operate so as to:

receive, from the user, another user selected presentation form representing the user selected specific background image;

receive, from the other user, second information, different from the first information, for presentation to the user;

incorporate the received second information into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein; and

direct the transmission of the second information incorporated in the other user selected presentation form to the user via the network by transmitting the generated image.

17. The article of manufacture of claim 16, wherein:

the stored logic is further configured to cause the processor to operate so as to identify a first risk level for the first information and a second risk level for the second information;

the received first information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the first information based on the identified first risk level; and

the received second information is incorporated into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein based on the identified second risk level.

18. The article of manufacture of claim 14, wherein the user selected presentation form is a first user selected presentation form and represents the user selected specific voice, and the stored logic is further configured to cause the processor to operate so as to:

receive, from the user, a second user selected presentation form representing a user selected specific background image;

incorporate the received information into the second user selected presentation form; and

also direct transmission of the information incorporated in the second user selected presentation form to the user via the network.

19. The article of manufacture of claim 18, wherein:

the stored logic is further configured to cause the processor to operate so as to identify a risk level for the received information; and

the received information is incorporated into both the first user and the second user selected presentation forms based on the identified risk level.

20. A system for securely conveying information to a user via a network, comprising:

a communications port configure to receive, from the user, a user selected presentation form representing one of a user selected specific voice and a user selected specific background image; and

a processor configured to incorporate information from another user into the user selected presentation form and to direct transmission of the information incorporated in the user selected presentation form to the user;

wherein the communications port is further configured to transmit the information incorporated in the user selected presentation form to the user via the network, in response to the processor directive.

21. The system of claim 20, wherein:

the user selected presentation form represents the user selected specific voice;

the information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the information; and

the information incorporated in the user selected presentation form is transmitted by transmitting the generated voice stream.

22. The system of claim 21, wherein:

the received information is received first information;

the communications port is further configured to receive, from the user, another user selected presentation form representing the user selected specific background image;

the processor is further configured to incorporate second information, different from the first information, from the other user for presentation to the user, into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein, and to direct transmission of the second information incorporated in the other user selected presentation form to the user; and

the communication port is further configured to transmit the second information incorporated in the other user selected presentation form to the user via the network by transmitting the generated image, in response to the processor directive to transmit the second information.

23. The system of claim 22, wherein:

the processor is further configured to identify a first risk level for the first information and a second risk level for the second information;

the first information is incorporated into the user selected presentation form by generating a voice stream with the user selected specific voice speaking the first information based on the identified first risk level; and

wherein the second information is incorporated into the other user selected presentation form by generating an image having the user selected specific background image with the second information embedded therein based on the identified second risk level.

24. The method of claim 20, wherein:

the user selected presentation form is a first user selected presentation form and represents the user selected specific voice;

the communications port is further configured to receive, from the user, a second user selected presentation form representing a user selected specific background image;

the processor is further configured to incorporate the information into the second user selected presentation form, and to direct transmission of the information incorporated in the second user selected presentation form to the user; and

the communications port is further configured to transmit the information incorporated in the second user selected presentation form to the user via the network, in response to the processor directive to transmit the information incorporated in the second user selected presentation form.

25. The method of claim 24, wherein:

the processor is further configured to identify a risk level for the received information; and

the received information is incorporated into both the first user and the second user selected presentation forms based on the identified risk level.