Methods and systems for secure authentication of a user by a host system
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United States of America Patent
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Oct 30, 2012
Grant Date -
Mar 22, 2012
app pub date -
Nov 15, 2011
filing date -
Dec 16, 2003
priority date (Note) -
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status (Latency Note)
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Abstract
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.
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