Patent Application
20120129492
1. Field of the Invention
The present disclosure is directed generally to techniques for authentication of transactions and, more particularly, to a system and method of transaction authentication using a mobile communication device.
2. Description of the Related Art
Electronic transactions are commonplace. The use of credit cards, debit cards, and the like are routine. It is often necessary or desirable to ensure the authenticity of a requestor of such a transaction. At present, such authenticity is often provided by use of a security code that only the requesting party knows. The requesting party enters that security code to complete the transaction. Today this is commonly done with a personal identification number (PIN) code, which is usually a string of four to six digits issued to a person for use in conjunction with bank or credit card accounts.
While these codes are generally secure if properly protected, they do have two major weaknesses. The first is that individuals often create a written document with the PIN rather than memorize the PIN. The account may be compromised by obtaining the record of the PIN. Secondly, people often have difficulty remembering multiple PINs and their associated accounts.
Therefore, it can be appreciated that there is a significant need for techniques for authenticating the identity of a requestor. The present disclosure provides this, and other advantages, as will be apparent from the following detailed description and accompanying figures.
The present disclosure utilizes a computer network operating in conjunction with a mobile wireless communication network to authenticate the operator of a wireless communication device and to provide a security code, such as a PIN, to the mobile communication device at the time of the transaction. As discussed in greater detail below, an initial identity code, such as the mobile telephone number, is provided when a transaction is initiated. The initial identity token is used by a transaction authentication server to contact the mobile wireless network. The transaction authentication server obtains a new temporary identity for the mobile communication device. The mobile communication device sends the new temporary identity to the transaction authentication server to confirm the authenticity of the mobile communication device. The transaction authentication server generates a security code, such as a PIN, and transmits it to the mobile communication device to use in the completion of the transaction. Various embodiments will be described below.
The teachings described herein may be implemented using a system architecture 100 illustrated in
The network 104 may be a wide area network, such as the Internet, an intranet (e.g., a local area network (LAN)), or any private data network (PDN). The system 100 is not limited to any particular implementation of the network 104. The communication link 106 may be implemented using one or more of a variety of known technologies, including a wired connection, wireless, fiber optic, microwave, or the like. These different techniques may be used alone or in combination to implement the communication link 106.
A transaction authentication server 110 is communicatively coupled to the transaction server 102. In one embodiment, the transaction authentication server 110 may be co-located with the transaction server 102 and integrated therein. Alternatively, the transaction authentication server 110 may be coupled to the transaction server 102 via a communication link 112, such as may be common in a LAN or PDN. In yet another alternative embodiment, the transaction authentication server 110 may be coupled to the network 104 via a communication link 114, as may be common in a distributed system. In this embodiment, the transaction server 102 and transaction authentication server 110 communicate via the network 104 and the communication links 106 and 114. The communication links 112 and 114 may be implemented with a variety of known technologies, such as those discussed above with respect to the communication link 106. The system 100 is not limited by the specific implementation of the communication links 106, 112, and 114.
The PLMN 120 includes a base station 122 that communications with a mobile communication device 124 via a wireless communication link 126.
Those skilled in the art will further appreciate that the PLMN 120 typically includes a large number of base stations, each of which communicates with a large number of mobile communication devices. However, for the sake of clarity,
Communication between the base station 122 and the mobile communication device 124 occurs in a conventional manner that need not be described in greater detail herein. Those skilled in the art will appreciate that the specific form of communication between the base station 122 and the mobile communication device 124 depends on the implementation of the PLMN 120. For example, the specific form of communication in a GSM implementation of the PLMN 120 will differ from a CDMA implementation of the PLMN 120.
The base station 122 communicates with a mobile switching center 130 via a backhaul communication link 132. The backhaul communication link 132 is a conventional communication link that need not be described in greater detail herein. Those skilled in the art will appreciate that the mobile switching center 130 typically communicates with a number of base stations in a particular geographic region.
Many current models of the mobile communication device 124 are web-enabled and are sometimes referred to as “smart phones.” The PLMN 120 allows access to the network 104 using a general packet radio service. The PLMN 120 is coupled to the network 104 using a gateway GPRS support node (GGSN) 134. The GGSN 134 is coupled to the network 104 via a communication link 136.
In the GSM implementation of the PLMN 120, the mobile network includes a home location register (HLR) 140 and a visitor location register (VLR) 142. In early mobile systems, networks tended to be geographically limited. The mobile communication device 124 was initially assigned to a home location and user registration data was entered into the HLR 140. When the user operated the communication device 124 within a limited geographic home region, the HLR 140 received the identity data from the mobile communication device during registration and used that information to authenticate the mobile communication device to assure the identity of the device. For example, the data processed by the HLR 140 could determine whether the subscriber account was still active or no longer a customer, to assure that the device was not reported lost or stolen, and the like. Thus, the HLR 140 was used for identity verification and status.
When the user traveled out of the geographic home region, the initial registration process occurs with the VLR 142. The VLR 142 may communicate with the HLR 140 through communication links (not shown) in the PLMN 120 to obtain the subscriber authentication data. The VLR 142 may perform a similar authentication process to that described above with respect to the HLR 140.
Current mobile networks are far more geographically expansive and users often retain the same mobile phone even after moving from one geographic location to another. Thus, the initial limited geographic concept involving the HLR 140 and the VLR 142 has been greatly expanded. However, the basic functionality of the HLR 140 and VLR 142 to permit the identity authentication and status retrieval for the mobile communication device 102 is essentially the same as described above. For purposes of the present disclosure, the functionality of the HLR 140 and VLR 142 may be combined into a single generic location register 144.
Upon initial registration with the PLMN 120, the mobile communication device 124 transmits various pieces of data to the location register 144, such as the mobile telephone number and an international mobile subscriber identity (IMSI) associated with the mobile communication device. That information is used in the authentication process described above. In most cases, the location register 144 will assign a temporary mobile subscriber identity (TMSI) to the mobile communication device 124 upon successful completion of the initial registration process. The TMSI is subsequently used by the mobile communication device 124 instead of the mobile telephone number.
In some embodiments, the PLMN 120 may periodically trigger a process to generate a new TMSI and send it to the mobile communication device 124 such that the mobile communication device may be assigned multiple TMSI values over the course of time. In addition to the temporal generation of a new TMSI, the system 100 can generate a new TMSI based on the state of the mobile communication device 124. That is, the mobile communication device 124 may receive a new TMSI from the location register 144 when it changes to a new logical state. For example, the movement of the mobile communication device 124 to a new geographic area or base station may trigger issuance of a new TMSI from the location register 144. In some cases, the mobile communication device 124 may have multiple TMSI values simultaneously. For example, the packet data system in the mobile communication device 124 may have a packet data TMSI in addition to the usual TMSI used for voice communication.
In operation of the system 100, a user will initiate a transaction with the transaction server 102. The initiation of a transaction may occur at an ATM, for example, by inserting a debit card to allow the ATM machine to read data from a magnetic stripe. Another common form of transaction is with a POS terminal where the user hands the salesclerk the debit or credit card or swipes the card in a reader. An on-line purchase may be initiated by the mobile communication device 124 itself, or by a conventional personal computer (PC) 128 coupled to the network 104. The initiation of an online transaction using the mobile communication device 124 or the PC 128 is well known in the art and need not be described in greater detail herein.
While the current technology may require the user to remember various PINs, the system 100 allows the user to enter the mobile telephone number or other identity token associated with the mobile communication device 124. In operation, the system 100 needs to provide sufficient information to the PLMN 120 to allow the PLMN to initiate a re-registration process with the mobile communication device 124. As is known in the art, the location register 144 can uniquely identify the mobile communication device 124 using various pieces of information alone or in combination. For example, the identity token may be the mobile telephone number of the mobile communication device 124. Alternatively, or in addition to the mobile telephone number, the identity token may be the IMSI or some other equivalent mobile subscriber identity, the TMSI or other temporary mobile identifier, or the like.
In some embodiments of the PLMN 120, only the location register 144 knows the relationship between the mobile communication device 124 and the TMSI. In this embodiment, the transaction authentication server 110 will provide the necessary information, such as the mobile telephone number or IMSI, to the VLR 142. In some embodiments, the transaction authentication server receives the TMSI from the location register 144 upon initial registration of the mobile communication device 124 with the PLMN 120. The transaction authentication server 110 may store the TMSI in association with the mobile telephone number as may be done by the location register 144. If the transaction authentication server 110 receives the mobile telephone number as the identity token, it may merely pass that information along to the location register 144. If the identity token takes other forms, such as the IMSI or the TMSI, the transaction authentication server 110 can convert that information to a mobile telephone number and pass the mobile telephone number to the location register 144. In yet another alternative embodiment, the identity token may be passed along to the location register 144 in an unaltered fashion. In this embodiment, the location register 144 stores various pieces of information, such as the IMSI, TMSI, and the like in association with the mobile telephone number. This allows the location register 144 to uniquely identify the mobile communication device 124 for the re-registration process.
As will be described in greater detail below, the identity token (e.g., the mobile telephone number) is transmitted to the transaction authentication server 110. In turn, the transaction authentication server 110 transmits the identity token to the location register 144 of the PLMN 120 using a communication link 148. The PLMN 120 generates a new TMSI and transmits it to the mobile communication device 124. The new TMSI may also be provided directly to the transaction authentication server 110. When the mobile communication device 124 receives the new TMSI, it transmits it to the transaction authentication 110. If the new TMSI transmitted from the mobile communication device 124 matches the TMSI generated by the location register 144 of the PLMN 120, the transaction authentication entity verifies the authentication of the mobile communication device 124.
Following an initial authentication of the mobile communication device 124, the transaction authentication server 110 generates a security code, such as a PIN. The security code is transmitted to the mobile communication device 124. In one embodiment, the system 100 may use a short message service center (SMSC) 146, which is commonly deployed in the PLMN 120 for text messaging in current mobile devices. In the present case, the “text message” is the new security code, which may be conveniently displayed on the mobile communication device 124. The user provides the new security code to the transaction server 102. For example, the user may manually enter the new security code using a keypad commonly available at ATM machines or POS terminals. For an on-line purchase, the user may provide the new security code to the transaction server 102 using the mobile communication device 102 or the PC 128.
When the transaction server 102 receives the new security code, it transmits it directly to the transaction authentication server 110 via the communication link 112 or transmits it to the transaction authentication server via the network 104. The transaction authentication server 110 compares the security code received from the transaction server 102 with the security code previously generated by the transaction authentication server 110. If the two security codes match, the authentication process is complete and the transaction may continue. If the security codes do not match, the transaction may be terminated.
In addition, the mobile communication device 124 includes a display 162 and a keyboard 164. The display 162 may be a black and white or color display and, in some embodiments, may be a touch sensitive display. In this embodiment, the functionality of the keyboard 164 may be combined with the display 162. These devices operate in a conventional manner and need no further explanation regarding operational details.
The mobile communication device 124 also includes a browser 170. Those skilled in the art will appreciate that the browser 170 is a form of an application program that is designed to access websites on the network 104. In one embodiment, the transaction with the transaction server 102 may be initiated by the mobile communication device 124 via the GGSN 134 in the PLMN 120. In this embodiment, the browser 170 is used to access a website supported by the transaction server 102. Furthermore, many financial institutions also have on-line access via the PC 128 or a mobile application executed by the mobile communication device 124 to access the transaction server 102 in a financial institution.
The mobile communication device 124 also includes a code storage area 172. As will be described in greater detail below, the code storage area 172 stores one or more forms of identity tokens and security codes that will be used to authenticate the mobile communication device 124.
The various components in
Those skilled in the art will appreciate that many of the blocks illustrated in the functional block diagram of
Similarly, the memory 182 may comprise a variety of known memory technologies individually or in combination. A portion of the memory 182 may be integrated into the CPU 180. The transaction authentication server 110 is not limited by the specific implementation of the memory 182.
An authentication processor 186 receives the identity token from the mobile communication device 124 (see
The authentication processor 186 also generates the security code (e.g., the PIN). As described above, in one embodiment, the generated security code may be transmitted to the mobile communication device 124 using the SMSC 146.
The authentication processor 186 stores the newly generated security code in a security code storage area 188 in the transaction authentication server 110. In an exemplary embodiment, the newly generated security code is stored in the security code storage area 188 in association with the mobile communication device 124. For example, the mobile telephone number or TMSI value may be used to associate the mobile communication device 124 with the generated security code.
Finally, the authentication processor 186 receives the security code from the transaction server 102 and compares it with the generated security code stored in association with the mobile communication device 124. A match between the security code received from the transaction server 102 and the security code stored in the security code storage area 188 indicates that the mobile communication device 124 has been authenticated. The authentication processor 186 allows the transaction to continue. In contrast, if the security code received from the transaction server 102 does not match the security code in the security code storage area 188, the authentication processor 186 communicates with the transaction server 102 to terminate the transaction.
The transaction authentication server 110 also includes a timer 190. As noted above, the system 100 advantageously generates a security code during the transaction. If the user of the wireless communication device 124 is shopping at many stores, such as in a shopping mall, in a short period of time, the system 100 can keep the security code active for some period of time. The timer 190 may be used to determine a time-out period for any particular security code. That is, at the end of some pre-determined time, such as thirty minutes from the initial generation of the security code, the transaction authentication server 110 can require a new security code. In an alternative embodiment, the timer 190 can be reset following each transaction such that a time-out occurs thirty minutes after the last transaction. Those skilled in the art will appreciate that the timer may be set to different time values other than the examples presented herein. The timer 190 may be a separate component in the transaction authentication server 110 or may be integrated into the CPU 180.
In yet another alternative embodiment, the transaction authentication server 110 can be configured to require a new security code for each transaction. In this embodiment, the timer 190 can be set to a short time period, such as five minutes from the initiation of the transaction. In yet another alternative embodiment, the transaction server 102 can transmit a transaction confirmation to the transaction authentication server 110 indicating that the transaction is complete. Upon receipt of the transaction confirmation from the transaction server 102, the transaction authentication server 110 may delete or disable the security code. In this embodiment, the timer 190 may be unnecessary or may be configured to a default time-out value in the event that a transaction confirmation message is not received from the transaction server 102.
The various components in
Those skilled in the art will appreciate that the authentication processor 186 may be implemented as a set of instructions stored in the memory 182 and executed by the CPU 180. Similarly, the security code storage area 188 may be implemented as a portion of the memory 182. However, these are shown as separate elements in the functional block diagram of
The operation of the system 100 is illustrated in the flow chart of
In step 206, the identity token is transmitted to the transaction authentication server 110 (see
In step 210, the transaction authentication server 110 generates a security code (e.g., a PIN). In an exemplary embodiment, the security code may be based on the new TMSI or related to the new TMSI in a manner known only to the transaction authentication server 110. For example, the new TMSI may be used to generate a hash value to create the security code. Alternatively, the new TMSI value may be used as an encryption key or portion of an encryption key to generate the security code. Other mathematical forms of manipulation of the TMSI to generate the security code may also be used.
In step 212, the transaction authentication server 110 sends the security code to the mobile communication device 124. As previously noted, the security code may be provided using the SMSC 146 of the PLMN 120. Alternatively, other messaging function, such as a multimedia messaging service (MMS) messaging may be used in the PLMN 120 or using the network 104 in the GGSN 134 to provide the security code to the mobile communication device 124.
In an exemplary embodiment, the security code is shown on the display 162 of the mobile communication device 124. The security code may be shown as plain text using numerals only, alphanumeric characters, special characters (e.g. #, *, etc.), or a combination of the above. The selection of security code may depend in part on the code entry capabilities of the transaction server 102. For example, if the transaction server 102 is an ATM, it may have only a numeric keypad.
In yet another alternative embodiment, the security code may be shown on the display 162 of the mobile communication device 124 as a symbology code. For example, the security code may be displayed as a bar code or, two dimensional code, or the like. In this embodiment, the transaction server 102 includes a scanner (not shown) to read the symbology on the display 162. A scanner may be used to scan a printed symbology version of the security code or a conventional security code with alphanumeric and/or special characters. One advantage of a printed symbology is that the security code cannot be read by a nearby onlooker.
In step 214, the security code is provided to the transaction server 102. The security code may be typed in using a key pad if the transaction server is part of an ATM or POS terminal. Alternatively, the user may provide the security code to the transaction server 102 using a keyboard (not shown) on the PC 128 or the keyboard 164 of the mobile communication device 124. Alternatively, the security code may be scanned in the manner described above.
In step 216, the transaction server 102 forwards the received security code to the transaction authentication server 110. As previously discussed, the security code may be forwarded directly to the transaction authentication server 110 via the communication link 112 or transmitted to the transaction authentication server via the network 104.
In decision 218, the authentication processor 186 (see
Those skilled in the art will appreciate that a number of variations are possible with the system 100. For example, the system 100 has been described with respect to a transaction. However, the principles of the system 100 can be applied for other purposes, such as a secure log-in operation on a computer network. In this embodiment, the transaction server 102 may be considered as a gateway to the secure computer network. The mobile communication device 124 or the PC 128 initiates a secure log-in process in the same manner as the initiation of a transaction. The authentication process occurs in the manner described above. However, the “transaction” in this implementation is a process to provide access to the secure computer network. Similar implementations may be used to provide access to corporate networks, websites, and the like.
The foregoing described embodiments depict different components contained within, or connected with, different other components. It is to be understood that such depicted architectures are merely exemplary, and that in fact many other architectures can be implemented which achieve the same functionality. In a conceptual sense, any arrangement of components to achieve the same functionality is effectively “associated” such that the desired functionality is achieved. Hence, any two components herein combined to achieve a particular functionality can be seen as “associated with” each other such that the desired functionality is achieved, irrespective of architectures or intermedial components. Likewise, any two components so associated can also be viewed as being “operably connected”, or “operably coupled”, to each other to achieve the desired functionality.
While particular embodiments of the present invention have been shown and described, it will be obvious to those skilled in the art that, based upon the teachings herein, changes and modifications may be made without departing from this invention and its broader aspects and, therefore, the appended claims are to encompass within their scope all such changes and modifications as are within the true spirit and scope of this invention. Furthermore, it is to be understood that the invention is solely defined by the appended claims. It will be understood by those within the art that, in general, terms used herein, and especially in the appended claims (e.g., bodies of the appended claims) are generally intended as “open” terms (e.g., the term “including” should be interpreted as “including but not limited to,” the term “having” should be interpreted as “having at least,” the term “includes” should be interpreted as “includes but is not limited to,” etc.). It will be further understood by those within the art that if a specific number of an introduced claim recitation is intended, such an intent will be explicitly recited in the claim, and in the absence of such recitation no such intent is present. For example, as an aid to understanding, the following appended claims may contain usage of the introductory phrases “at least one” and “one or more” to introduce claim recitations. However, the use of such phrases should not be construed to imply that the introduction of a claim recitation by the indefinite articles “a” or “an” limits any particular claim containing such introduced claim recitation to inventions containing only one such recitation, even when the same claim includes the introductory phrases “one or more” or “at least one” and indefinite articles such as “a” or “an” (e.g., “a” and/or “an” should typically be interpreted to mean “at least one” or “one or more”); the same holds true for the use of definite articles used to introduce claim recitations. In addition, even if a specific number of an introduced claim recitation is explicitly recited, those skilled in the art will recognize that such recitation should typically be interpreted to mean at least the recited number (e.g., the bare recitation of “two recitations,” without other modifiers, typically means at least two recitations, or two or more recitations).
Accordingly, the invention is not limited except as by the appended claims.
