TRANSACTION AUTHENTICATION BASED ON CONTEXTUAL DATA PRESENTATION
First Claim
1. A method of producing a message in connection with a detected transaction, the method comprising:
- receiving transaction information that describes details of the detected transaction;
receiving user-provided contextual information that describes a context of the detected transaction;
producing at least one digital signature based on a combination of the transaction information and the user-provided contextual information; and
transmitting the digital signature in a message to a server.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods, devices, and systems are provided for approving a transaction through an exchange of presented user contextual approval information and approval decryption. The user contextual approval information is generated by a user during a transaction, cryptographically signed, and provided to a transaction server. The user contextual data uniquely describes the transaction to the user and can be employed to aid a user in approving or validating the transaction in a subsequent approval action. In particular, a transaction may present the contextual approval information to a user in the form of an approval challenge message. The approval challenge message may be sent to a known user device via the transaction server in the form of a text or multi-media message. The user may respond to the message with an approval or denial response.
22 Citations
21 Claims
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1. A method of producing a message in connection with a detected transaction, the method comprising:
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receiving transaction information that describes details of the detected transaction; receiving user-provided contextual information that describes a context of the detected transaction; producing at least one digital signature based on a combination of the transaction information and the user-provided contextual information; and transmitting the digital signature in a message to a server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A server, comprising:
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a processor; and a computer-readable storage medium having instructions stored thereon that, when executed by the processor, cause the processor to; receive transaction information describing details of a detected transaction; receive contextual information describing a custom user-provided context for the detected transaction; and transmit a cryptographically signed and/or encrypted challenge message including the custom user-provided context to a user device. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A method, comprising:
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detecting, at a transaction server, a transaction initiated by a first user device communicatively connected to the transaction server; determining, by the transaction server, a user-provided context describing the transaction detected; determining, by the transaction server, a second user device associated with the transaction detected; signing, by the transaction server, the user-provided context data describing the transaction; and transmitting, by the transaction server, a message to the second user device, the message including the signed user-provided context data describing the transaction. - View Dependent Claims (19, 20, 21)
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Specification