System and method for mobile identity protection for online user authentication

Patent metadata

Field	Value
Publication number	US-11405781-B2
Application number	US-201916568649-A
Country	US
Kind code	B2
Filing date	Sep 12, 2019
Priority date	Mar 16, 2007
Publication date	Aug 2, 2022
Grant date	Aug 2, 2022

Abstract

An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.

First claim

What is claimed is:

1. A method comprising:
obtaining, by a transaction processing module of an authentication application associated with a mobile access point, an application ID associated with an application requiring secure access from a wireless device after a user attempts to access the application requiring secure access, the application ID identifying the application requiring secure access;
obtaining, by the authentication application, a location of the wireless device, the location comprising geographic coordinates of the wireless device;
generating, by a results processing system of the authentication application, an authentication result based on at least the location of the wireless device, a time that the location of the wireless device was obtained, the application ID from the wireless device, and a time when the user attempts to access the application; and
allowing, by the authentication application, access to the application requiring secure access based upon the authentication result.

2. The method of claim 1 , wherein the mobile access point and the wireless device communicate using a short range communication mechanism comprising a Bluetooth protocol.

3. The method of claim 1 , further comprising:
obtaining, from the wireless device, a wireless device identifier from the wireless device.

4. The method of claim 1 , wherein the mobile access point is a personal computer.

5. The method of claim 1 , wherein the application requiring secure access is on the mobile access point.

6. The method of claim 1 , wherein the mobile access point authenticates the wireless device and wherein the application requiring secure access is in the mobile access point.

7. The method of claim 1 , wherein the authentication application, which is separate from the mobile access point, authenticates the wireless device.

8. The method of claim 1 , wherein the application requiring secure access is a social networking application.

9. The method of claim 1 , wherein the authentication application is on an external platform accessible via the Internet, and is separate from the mobile access point.

10. The method of claim 1 , wherein communications between the wireless device and the mobile access point are encrypted.

11. A system comprising:
a processor; and
a non-transitory computer readable medium comprising code, executable by the processor, for implementing a method comprising
obtaining, by a transaction processing module of an authentication application associated with a mobile access point, an application ID associated with an application requiring secure access from a wireless device after a user attempts to access the application requiring secure access, identifying the application requiring secure access;
obtaining, by the application, a location of the wireless device, the location comprising geographic coordinates of the wireless device;
generating, by a results processing system of the authentication application, an authentication result based on at least the location of the wireless device, a time that the location of the wireless device was obtained, the application ID from the wireless device, and a time when the user attempts to access the application; and
allowing, by the authentication application, access to the application requiring secure access based upon the authentication result.

12. The system of claim 11 , wherein the wireless device and the mobile access point communicate via a short range communication mechanism comprising a Bluetooth protocol.

13. The system of claim 11 , wherein the wireless device is a mobile phone.

14. The system of claim 11 , wherein the mobile access point is a personal computer.

15. The system of claim 11 , wherein application requiring secure access is on the mobile access point.

16. The system of claim 11 , wherein the mobile access point authenticates the wireless device and wherein the application requiring secure access is in the mobile access point.

17. The system of claim 11 , wherein the authentication application, which is separate from the mobile access point, authenticates the wireless device.

18. The system of claim 11 , wherein the application requiring secure access is a social networking application.

19. The system of claim 11 , wherein the authentication application is on an external platform accessible via the Internet, and is separate from the mobile access point.

20. The system of claim 11 , wherein communications between the wireless device and the mobile access point are encrypted.

Assignees

• Visa Int Service Ass

Inventors

• Dennis Charles L
• Snyder Randall A
• Buhrmann Michael F
• Boyle Patrick J

Classifications

• H04W12/06 Primary

  Authentication · CPC title

• G06F21/35

  communicating wirelessly · CPC title

• H04L63/0853

  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 title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• H04W12/08

  Access security · CPC title