Methods and Systems for Secure Authentication of a User by a Host System
AssigneeCitibank Development Center, Inc.
InventorsMichael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yonggiang Chen
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AssigneeCitibank Development Center, Inc.
InventorsMichael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yonggiang Chen
Estimating the term…
A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.
1-22. (canceled)
A method for allowing a user to securely log on to a host system via an electronic interface, comprising:
The method of claim 1, further comprising sending an encryption applet to the user's browser.
The method of claim 2, wherein sending the encryption applet to the user's browser further comprises sending the encryption applet contained in a single class file containing functionality necessary to encrypt the user's credentials.
The method of claim 2, wherein sending the encryption applet to the user's browser further comprises sending an encryption applet sized to be downloaded to the user's browser on each logon.
The method of claim 2, wherein sending the encryption applet to the user's browser further comprises sending an encryption applet that persists on the user's browser for a duration of a current browser session.
The method of claim 1, further comprising sending the public key of the public/private key pair of the application server computer to the user's browser, the private key for which is known by the tamper-proof encryption module.
The method of claim 2, further comprising encrypting the user's credentials with a symmetric key generated by the encryption applet.
The method of claim 7, further comprising generating the symmetric key by the encryption applet based on a random number generated by the encryption applet.
The method of claim 2, further comprising encrypting, using the encryption applet, the user's credentials with a DES key to produce a cipherPIN.
The method of claim 9, further comprising encrypting, using the encryption applet, the DES key with a public key to produce a cipherKey.
The method of claim 2, further comprising encrypting, using the encryption applet, the user's credentials with a symmetric key and encrypting the symmetric key with a public key.
The method of claim 1, wherein receiving the symmetric key-encrypted user's credentials and public key-encrypted symmetric key and replay prevention ID further comprising receiving the symmetric key-encrypted user's credentials and public key-encrypted symmetric key and replay prevention ID by the application server via a portal application.
The method of claim 12, wherein receiving the symmetric key-encrypted user's credentials and public key-encrypted symmetric key and replay prevention ID by the application server via the portal application further comprises encrypting and digitally signing the symmetric key-encrypted user's credentials and the public key-encrypted symmetric key within a single sign-on token and sending the token to the application server by the portal application.
The method of claim 13, wherein receiving the symmetric key-encrypted user's credentials and public key-encrypted symmetric key and replay prevention ID by the application server via the portal application further comprises decrypting the single sign-on token and verifying that the token was received via the portal application as a trusted source.
A system for allowing a user to securely log on to a host system via an electronic interface, comprising:
Dependencies are inferred from the claim text.