Methods and systems for secure user authentication

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United States of America Patent

PATENT NO 9768963
SERIAL NO

13019333

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods and systems for secure user authentication using a OTP involve, for example, pre-storing a OTP application on a first computing device for generating a valid OTP value for the user responsive to receiving entry of a valid PIN value of the user, no part of the valid PIN value is stored on the first computing device and pre-storing on a back-end server the valid PIN value and a valid shared secret for the user. Upon receiving entry of a purported PIN value of the user, a purported shared secret is dynamically synthesized on the first computing device by the OTP application based on the purported PIN value of the user and a purported OTP value is generated on the first computing device. When entry of the purported OTP value is received by the back-end server in an attempt to log on the back-end server from a second computing device, the back-end server cryptographically calculates a window of OTP values, and log on to the back-end server from the second computing device is allowed if the calculated window of OTP values corresponds to the received OTP value.

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Patent Owner(s)

  • CITICORP CREDIT SERVICES, INC. (USA)

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Chu, Ronald King-Hang Los Angeles, US 8 276
Glindro, Gerry Carson, US 5 230
Kogen, Mark Torrance, US 10 414
Ma, Simon Torrance, US 6 230
Nicholas, Jeffrey William Coyte Los Angeles, US 3 230
Smushkovich, Yosif Santa Monica, US 10 433
Tan, Warren Thousand Oaks, US 9 430

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