Out-of-Band Device Verification of Transactions
AssigneeAT&T Intellectual Property I, L.P.
InventorAndrea Forte
Life of this patent
Estimating the term…
Abstract
Concepts and technologies are disclosed herein for out-of-band device verification of transactions. A processor can execute a verification service. The verification service can receive a verification request with data relating to a transaction between a computing device and an application. The verification service can identify an out-of-band device associated with the computing device and obtain verification data from the out-of-band device. The verification service can compare the verification data to data relating to the transaction to determine if the transaction is to be verified. Based upon the determination, the verification service can approve or block the transaction.
Claims20
A system comprising:
- a first device comprising a processor;
- and
- a memory that stores computer-executable instructions that, when executed by the processor, cause the processor to perform operations comprising
- receiving, via a communication channel between the first device and a second device, a request to verify a transaction, wherein the request is received with transaction data that represents data received by the second device and from a third device in association with the transaction,
- identifying an out-of-band device that is associated with the third device, wherein the out-of-band device communicates with the third device in association with the transaction,
- requesting, via a second communication channel between the first device and the out-of-band device, verification data from the out-of-band device, wherein the verification data represents data provided by the third device to the second device in association with the transaction, and wherein the second communication channel is not used by the third device,
- receiving, via the second communication channel, the verification data from the out-of-band device,
- determining, based on the verification data and the transaction data, if the transaction is to be allowed, and
- sending, directed to the second device, a verification response that is based on the determining.
A method comprising:
- receiving, at a first device and via a communication channel between the first device and a second device, a request to verify a transaction, wherein the request is received with transaction data that represents data received by the second device and from a third device in association with the transaction;
- identifying, by the first device, an out-of-band device that is associated with the third device, wherein the out-of-band device communicates with the third device in association with the transaction;
- requesting, by the first device and via a second communication channel between the first device and the out-of-band device, verification data from the out-of-band device, wherein the verification data represents data provided by the third device to the second device in association with the transaction, and wherein the second communication channel is not used by the third device;
- receiving, by the first device and via the second communication channel, the verification data from the out-of-band device;
- determining, by the first device and based on the verification data and the transaction data, if the transaction is to be allowed;
- and
- sending, by the first device and directed to the second device, a verification response that is based on the determining.
A computer storage medium having computer-executable instructions stored thereon that, when executed by a processor, cause the processor to perform operations comprising:
- receiving, via a communication channel between a first device and a second device, a request to verify a transaction, wherein the request is received with transaction data that represents data received by the second device and from a third device in association with the transaction;
- identifying an out-of-band device that is associated with the third device, wherein the out-of-band device communicates with the third device in association with the transaction;
- requesting, via a second communication channel between the first device and the out-of-band device, verification data from the out-of-band device, wherein the verification data represents data provided by the third device to the second device in association with the transaction, and wherein the second communication channel is not used by the third device;
- receiving, via the second communication channel, the verification data from the out-of-band device;
- determining, based on the verification data and the transaction data, if the transaction is to be allowed;
- and
- sending, directed to the second device, a verification response that is based on the determining.
Dependencies are inferred from the claim text.