Electronic signature security algorithms
AssigneeRawllin International Inc.
InventorsViacheslav Kirillin, Sergey Zemlyanskiy
Life of this patent
Estimating the term…
Abstract
Technologies are generally described for security algorithm methods in authorizing and linking devices associated with a customer. A first device can be linked to a customer account. Additional devices can be linked to the customer account. Those devices can be authenticated to perform banking operations using dual factor authentication wherein a customer's login information is a first factor and the customer using a previously authenticated device is a second factor. By using additional methods of authentication, transactions can be done more reliably and securely.
Claims18
A method, comprising:
- receiving, by a device comprising a processor, a phone number from a bank client device associated with a user identity;
- confirming, by the device, the phone number is associated with a client account;
- verifying, by the device, the client account contains no linked devices;
- generating, by the device, a first one time password and a second one time password;
- sending, by the device, the first one time password to the phone number;
- sending, by the device, the second one time password to the bank client device;
- receiving, by the device, a password and the second one time password from the bank client device;
- verifying, by the device, the second one time password and the password;
- and
- in response to the verifying, creating, by the device, a new client account in association with the user identity.
A non-transitory computer readable storage device comprising executable instructions that, in response to execution, cause a device comprising a processor to perform operations, comprising:
- receiving a phone number from a bank client device associated with a user identity;
- confirming whether the phone number is associated with a client account;
- verifying the client account contains no linked devices;
- generating a first one time password and a second one time password;
- sending the first one time password to the phone number;
- sending the second one time password to the bank client device;
- receiving a password and the second one time password from the bank client device;
- verifying the second one time password and the password;
- and
- in response to the verifying, creating a new client account in association with the user identity.
A system, comprising
- a processor;
- and
- a memory coupled to the processor and storing executable instructions that, in response to execution by the processor, perform operations, comprising:
- receiving a phone number associated with a user identity from a bank client device;
- determining whether the phone number is associated with a client account;
- verifying the client account contains no linked devices;
- generating a first one time password and a second one time password;
- sending the first one time password to the phone number;
- sending the second one time password to the bank client device;
- receiving a password and the second one time password from the bank client device;
- verifying the second one time password and the password;
- and
- in response to the verifying, creating a new client account associated with the user identity.
Dependencies are inferred from the claim text.