US 11,057,373 B2 · System for authentication using channel dependent one-time passwords

Abstract

The present disclosure is directed to a novel system for using a dual factor authorization design for generating channel-dependent one-time passwords. In particular, the system may extract a client code and user code from an authorization code to be sent to a client and a user, respectively. When the user submits the user code via the client, the user code is combined with the client code to create the full authorization code to allow for the authentication of the user. The authorization code may further be mapped to a specific client and/or context. In this way, the system provides a secure way to minimize the incidence of unauthorized access to a user's account without creating additional technical burdens for the user.

Claims20

Dependent claims

A dual factor authorization system for authentication of a user, comprising:

a processor;
a communication interface;
and
a memory having executable code stored thereon, wherein the executable code, when executed by the processor, causes the processor to:
receive, from a user computing system, a request to access an entity system;
generate an authorization code associated with the user;
extract a client code and a user code from the authorization code;
transmit the client code to the user computing system via a first channel,
wherein the client code is not visible to the user;
transmit the user code to the user via a second channel;
combine the client code and the user code into a reformed authorization code using a context grid, wherein the context grid is a matrix of characters corresponding to the authorization code;
and
compare the authorization code with the reformed authorization code to determine authorization of the user to access the entity system.

10 more elements

A computer program product for a dual factor authorization system for authentication of a user, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion for receiving, from a user computing system, a request to access an entity system;
an executable portion for generating an authorization code associated with the user;
an executable portion for extracting a client code and a user code from the authorization code;
an executable portion for transmitting the client code to the user computing system via a first channel, wherein the client code is not visible to the user;
an executable portion for transmitting the user code to the user via a second channel;
an executable portion for combining the client code and the user code into a reformed authorization code using a context grid, wherein the context grid is a matrix of characters corresponding to the authorization code;
and
an executable portion for comparing the authorization code with the reformed authorization code to determine authorization of the user to access the entity system.

5 more elements

Dependencies are inferred from the claim text.

System for authentication using channel dependent one-time passwords

Life of this patent

System for authentication using channel dependent one-time passwords

Life of this patent

Abstract

Claims20