ENHANCED AUTHENTICATION BASED ON SECONDARY DEVICE INTERACTIONS

• US 20180026973A1
• Filed: 04/13/2016
• Published: 01/25/2018
• Est. Priority Date: 04/13/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Le Saint, Eric, Fedronic, Dominique, Aabye, Christian
• Granted Patent: US 10,601,818 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 21/6218 to a system of files or objects, e.g. local or distributed file system or database
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• 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: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/062 for key distribution, e.g. centrally by trusted party cryptographic mechanisms or cryptographic arrangements for key distribution involving a central third party H04L9/0819
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0853 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 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04L 9/0822 using key encryption key
• CPC Class Codes: H04L 9/0894 Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage
• CPC Class Codes: H04L 9/14 using a plurality of keys or algorithms
• CPC Class Codes: H04L 9/32 : including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 12/065 : Continuous 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 12/069 : using certificates or pre-shared keys
• CPC Class Codes: H04W 12/33 : using wearable devices, e.g. using a smartwatch or smart-glasses

Abstract

Enhance authentication techniques may include receiving credential data of a secondary device by a primary device, generating a cryptogram using the credential data of the secondary device, and transmitting the cryptogram to an access device to request for authorization to use an account associated with a user of the primary device. The authorization can be granted based on verification of the cryptogram and an interaction activity pattern of interactions between the primary device and a set of communication devices including the secondary device.

Claims

1. A method comprising:

receiving, by a primary device, credential data of a secondary device;

generating, by the primary device, a cryptogram using the credential data of the secondary device; and

transmitting, by the primary device, the cryptogram to an access device to request for authorization to use an account associated with a user of the primary device, wherein the authorization is granted based on verification of the cryptogram and an interaction activity pattern of interactions between the primary device and a set of communication devices including the secondary device.

2. The method of claim 1, further comprising:

for each communication device in the set of communication devices;

establishing, by the primary device, a communication channel between the primary device and the communication device;

receiving, by the primary device, device data from the communication device including at least one of a device identifier identifying the communication device, sensor data sensed by the communication device, or user data captured by the communication device; and

sending, by the primary device, the device data received from the communication device to an authorization server, wherein the device data is used for establishing the interaction activity pattern.

3. The method of claim 2, wherein the interaction activity pattern is established further based on a time of day of when the primary device interacted with each communication device.

4. The method of claim 2, wherein the authorization is granted based on a comparison of the interaction activity pattern with recent interactions between the primary device and one or more of the communication devices.

5. The method of claim 1, wherein the credential data of the secondary device includes a device identifier of the secondary device, and the method further comprises:

deriving, by the primary device, a key-encryption key using the device identifier of the secondary device and a shared key stored on the primary device; and

decrypting, by the primary device, an encrypted cryptogram key using the derived key-encryption key,

wherein generating the cryptogam includes encrypting data pertaining to the request for authorization using the decrypted cryptogram key.

6. The method of claim 5, further comprising:

prior to receiving the credential data of the secondary device;

sending the device identifier of the secondary device to an authorization server to register the secondary device;

in response to registering the secondary device, receiving the shared key and the encrypted cryptogram key from the authorization server; and

storing the shared key on the primary device.

7. The method of claim 6, further comprising storing the encrypted cryptogram key on the primary device.

8. The method of claim 6, further comprising:

forwarding the encrypted cryptogram key to the secondary device for storage on the secondary device; and

receiving the encrypted cryptogram key from the secondary device as part of the credential data of the secondary device.

9. The method of claim 5, wherein the primary device interacts with the access device without presence of the secondary device.

10. The method of claim 9, wherein the credential data of the secondary device is deleted from the primary device when a predetermined time period from receiving the credential data has elapsed.

11. The method of claim 1, further comprising:

determining, by the primary device, that the secondary device is not in presence of the primary device; and

sending, by the primary device, a request to a remote server for the credential data of the secondary device, wherein the credential data of the secondary device is received by the primary device from the remote server.

12. The method of claim 1, further comprising:

generating, by the primary device, a first intermediate cryptogram using a first portion of a cryptogram key stored on the primary device; and

transmitting, by the primary device, the first intermediate cryptogram to the secondary device,

wherein the credential data of the secondary device received by the primary device is a second intermediate cryptogram generated by the secondary device using the first intermediate cryptogram and a second portion of the cryptogram key stored on the secondary device.

13. The method of claim 12, wherein the cryptogram is generated by the primary device using the second intermediate cryptogram and the first portion of the cryptogram key stored on the primary device.

14. The method of claim 12 wherein the first intermediate cryptogram is generated by encrypting data pertaining to the request for authorization using the first portion of the cryptogram key, decrypting the encrypted data using a first intermediate key, and re-encrypting the decrypted data using a second intermediate key.

15. The method of claim 14, wherein the second intermediate cryptogram is generated by decrypting the first intermediate cryptogram using the second intermediate key, re-encrypting the decrypted first intermediate cryptogram using the first intermediate key, decrypting the re-encrypted first intermediate cryptogram using the second portion of the cryptogram key.

16. The method of claim 15, wherein the second intermediate cryptogram is generated by further encrypting a result of decrypting the re-encrypted first intermediate cryptogram using the second intermediate key, and decrypting the encrypted result using first intermediate key.

17. The method of claim 16, wherein the cryptogram is generated by encrypting the second intermediate cryptogram using the first intermediate key, decrypting the encrypted second intermediate cryptogram using the second intermediate key, and re-encrypting the decrypted second intermediate cryptogram using the first portion of the cryptogram key.

18. The method of claim 1, wherein the request for authorization is initiated from a tertiary device acting as a user interface device that is communicatively coupled to the primary device.

19. A communication device comprising:

a processor; and

a memory storing computer readable instructions, which when executed by the processor, cause the communication device to perform operations including;

receiving credential data of a secondary device;

generating a cryptogram using the credential data of the secondary device; and

transmitting the cryptogram to an access device to request for authorization to use an account associated with a user of the communication device, wherein the authorization is granted based on verification of the cryptogram and an interaction activity pattern of interactions between the communication device and a set of user devices including the secondary device.

20. The communication device of claim 19, wherein the communication device is a portable communication device or a network-connected communication device.