CA2394311A1 - Dual network system and method for online authentication or authorization - Google Patents

Dual network system and method for online authentication or authorization Download PDF

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Publication number
CA2394311A1
CA2394311A1 CA002394311A CA2394311A CA2394311A1 CA 2394311 A1 CA2394311 A1 CA 2394311A1 CA 002394311 A CA002394311 A CA 002394311A CA 2394311 A CA2394311 A CA 2394311A CA 2394311 A1 CA2394311 A1 CA 2394311A1
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CA
Canada
Prior art keywords
network
user
instructions
terminal
source
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002394311A
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French (fr)
Other versions
CA2394311C (en
Inventor
James R. Woodhill
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Payfone Inc
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Individual
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Application filed by Individual filed Critical Individual
Publication of CA2394311A1 publication Critical patent/CA2394311A1/en
Application granted granted Critical
Publication of CA2394311C publication Critical patent/CA2394311C/en
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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/313—User authentication using a call-back technique via a telephone network
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/42—User authentication using separate channels for security data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3215—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a plurality of channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H04M3/382—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using authorisation codes or passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H04M7/006—Networks other than PSTN/ISDN providing telephone service, e.g. Voice over Internet Protocol (VoIP), including next generation networks with a packet-switched transport layer
    • H04M7/0078—Security; Fraud detection; Fraud prevention
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H04M7/12—Arrangements for interconnection between switching centres for working between exchanges having different types of switching equipment, e.g. power-driven and step by step or decimal and non-decimal
    • H04M7/1205—Arrangements for interconnection between switching centres for working between exchanges having different types of switching equipment, e.g. power-driven and step by step or decimal and non-decimal where the types of switching equipement comprises PSTN/ISDN equipment and switching equipment of networks other than PSTN/ISDN, e.g. Internet Protocol networks
    • H04M7/128—Details of addressing, directories or routing tables
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Abstract

An authentication or authorization system to facilitate electronic transactions uses simultaneous or substantially simultaneous communications on two different networks to verify a user's identity. When a user logs (V) onto a site, via the internet, a telephone number (46), either pre-stored or obtained in real time from the visitor (V), where the visitor (V) can be called essentially immediately is used to set up, via the switched telephone network (44) another communication link. Where the user (V) has multiple communication links available, the telephone call is automatically placed via the authentication or authorization software (38) simultaneously while the user (V) is on-line. In the event that the user (V) has only a single communication link, that individual will have to log off temporarily for purposes of receiving the telephone call (46). Confirmatory information is provided via the internet to the user. The automatically placed telephone call (46) requests that the user (V) feed back this confirmatory information for verification purposes. The telephone number which is being called is adjacent to the user's internet terminal. The user's response, via the telephone network (46), can be compared to the originally transmitted confirmatory information to determine whether the authentication or authorization process should go forward.

Claims (54)

1. A system comprising:
an electronic, packet switching communications network;
a user operable terminal for coupling a user to a displaced site on the network;
pre-stored, executable instructions for establishing a telephone number for calling the user essentially immediately;
pre-stored instructions for forming confirmation information and for transmitting same to the user terminal for display;
pre-stored instructions for calling the user at the user's phone number via a public telephone network;
pre-stored instructions requesting the user to provide at least the confirmation information during the call; and pre-stored instructions for evaluating the identity of the user.
2. A system as in claim 1 which includes:
executable instructions for creating and storing an audit trail for the transaction.
3. A system in claim 1 which includes executable instructions for providing a verbal request, during the call, that the user provide selected audio information for audit purposes.
4. A system as in claim 1 wherein the establishing instructions include requesting a telephone number from the user for calling the user essentially immediately.
5. A system as in claim 1 wherein the instructions for calling are executed while communicating with the user via the terminal.
6. A system as in claim 1 which includes instructions for transferring the user to evaluating software prior to calling the user.
7. A system as in claim 1 which includes instructions directing the user to sign off of the network prior to executing the instructions for calling the user.
8. A system as in claim 4 wherein the instructions for calling are executed while communicating with the user via the terminal.
9. A system as in claim 1 wherein the establishing instructions retrieve a pre-stored user phone number from storage.
10. A method comprising:
establishing a bi-directional communications link between a visitor and a displaced software driven entity via a first electronic network;
obtaining an identifying indicium for the visitor for a second electronic network;
transferring confirmation information to the visitor, via the first network;
initiating a bi-directional communications link with the visitor via the second network; and transferring the confirmation information received by the visitor to the software driven entity via the second network;
evaluating the received confirmation information at the software driven entity.
11. A method as in claim 10 wherein the first network is selected from a class which includes an internet-type network and an intranet-type network.
12. A method as in claim 10 wherein the obtaining step comprises obtaining a telephone number from the visitor.
13. A method as in claim 10 wherein the transferring step comprises transferring an alphanumeric code as the confirmation information.
14. A method as in claim 10 wherein the transferring step comprises transferring a numeric code as the confirmation information.
15. A method as in claim 10 wherein the initiating step comprises selecting the public switched telephone network as the second network and, placing a telephone call to the visitor.
16. A method as in claim 10 which includes providing directions verbally to the visitor via the bi-directional communications link of the second network.
17. A method as in claim 10 which includes displaying the confirmation information for the visitor.
18. A method as n claim 10 which includes obtaining a pre-stored telephone number for the user.
19. A method as in claim 10 wherein the first electronic network is selected from a class which includes an internet and an intranet.
20. A system comprising:
a first communication path for enabling a user to access at least one of a source of a selected product, a selected service; and a selected functional capability;
and a second, different communication path for enabling the use, in response to communications on the first path, to respond to an inquiry initiated by the source using a predetermined station coupled to the second path and associated with the user.
21. A system as in claim 20wherein the first communication path is established intermittently by the user via a publicly accessible electronic packet switching network.
22. A system as in claim 20 wherein the second communication path is established intermittently by the source via a different, publicly accessible switched network.
23. A system as in claim 21 wherein the second communication path is established intermittently by the source via a different, publicly accessibly voice network.
24. A system as in claim 20 wherein the second communication path is implemented using a publicly available switched telephone network.
25. A system as in claim 20 wherein the station comprises a telephone.
26. A system as in claim 25 wherein the first communication path establishes a link to a site on a digital network associated with the source.
27. A system as in claim 26 wherein the first communication path is established using an Internet service provider.
28. A system as in claim 27 wherein the user provides identifying information to the source using the first path.
29. A system as in claim 25 wherein the source transmits a message to the user to specify an identifier for the station.
30. A system as in claim 29 wherein the source, responding to the identifier, initiates the second communication path using the identifier to specify the station.
31. A system as in claim 30 wherein the source initiates a call to the telephone.
32. A system as in claim 31 wherein the user uses the telephone, in response to the source to provide selected information to the source via the second communication path.
33. A system as in claim 32 wherein the selected information is processed by the source to provide at least one of an authentication function, an authorization function and a collection function associated with the user.
34. A system as in claim 33 wherein the source, in response to selected results of processing the selected information executes one of an authentication function and an authorization function.
35. A system as in claim 34 wherein the source transmits a graphically displayable indicium to the user via the first communication path and wherein the user, via the telephone transmits a second indicium to the source, wherein the source processes the received indicium and in response thereto executes one of the functions provided that the received indicium exhibits a predetermined characteristic.
36. A system as in claim 35 wherein the indicium and the second indicium contain the same information.
37. A system as in claim 20 wherein an audit trail is created by the source.
38. A system as in claim 34 wherein an audit trail is created by the source along with executing the function.
39. A system as in claim 25 wherein a call is automatically placed to the telephone on behalf of the source and responses from the telephone are analyzed on behalf of the source.
40. A system as in claim 39 wherein audit information is collected during the call.
41. A system as in claim 39 wherein the source provides a communication function, and where the responses from the telephone exhibit a predetermined characteristic, the user will be provided access to the communication function.
42. A system comprising:
first and second electronic networks which are, at least in part; different;
first and second terminals, physically adjacent to one another, with each terminal associated with a respective network;
pre-stored, executable instructions for receiving an inquiry from the first terminal, via the first network;

additional executable instructions for establishing an address of the second terminal on the second network;
instructions for establishing a communications link, on the second network, with the second terminal;
instructions for transmitting confirmatory information, via the first network, to the first terminal;
instructions for receiving a representation of the confirmatory information, via the second network, from the second terminal; and instructions for comparing the received representation to the transmitted information.
43. A system as in claim 42 wherein the second network comprises a switched telephone system.
44. A system as in claim 43 wherein the second terminal comprises a telephone handset.
45. A system as in claim 43 wherein the communications link of the second network is established simultaneously with another communications link using the first network.
46. A system as in claim 43 which includes instructions for displaying the confirmatory information on the first terminal.
47. An authorization system comprising:
first and second electronic networks which are, at least in part; different;
first and second terminals, with each terminal associated with a respective network;
instructions for receiving an inquiry from the first terminal, via the first network;
instructions for establishing an address of the second terminal on the second network;
instructions for establishing a communications link, on the second network, with the second terminal;
instructions for transmitting confirmatory information, via the first network, to the first terminal;

instructions for receiving a representation of the confirmatory information, via the second network, from the second terminal;
instructions for comparing the received representation to the transmitted information and for producing a comparison indicating indicium; and instructions, responsive to the comparison indicium, for conducting an authorization process and for generating an authorization related indicium.
48. A system as in claim 47 wherein the second network comprises a switched telephone system with a wireless portion.
49. A system as in claim 48 wherein the second terminal comprises one of a land line telephone and a wireless phone.
50. A system as in claim 48 wherein the communications link of the second network is established simultaneously with another communications link using the first network.
51. A system as in claim 48 which includes instructions for displaying the confirmatory information on the first terminal.
52. A system as in claim 47 for authorizing a charge to a financial account wherein the inquiry from the first terminal includes a financial account designator.
53. A system as in claim 52 wherein the instructions for conducting an authorization process comprise instructions for evaluating if a proposed charge to the designated account will be accepted.
54. A system as in claim 53 for authorizing a charge to a credit-type account wherein the instructions for evaluating comprise instructions for determining if a proposed charge to a designated credit-type account will be accepted as an increase to an amount due on the respective account.
CA2394311A 1999-12-15 2000-12-14 Dual network system and method for online authentication or authorization Expired - Lifetime CA2394311C (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US17080899P 1999-12-15 1999-12-15
US60/170,808 1999-12-15
US09/737,254 US6934858B2 (en) 1999-12-15 2000-12-13 System and method of using the public switched telephone network in providing authentication or authorization for online transactions
US09/737,254 2000-12-13
PCT/US2000/033812 WO2001044940A1 (en) 1999-12-15 2000-12-14 Dual network system and method for online authentication or authorization

Publications (2)

Publication Number Publication Date
CA2394311A1 true CA2394311A1 (en) 2001-06-21
CA2394311C CA2394311C (en) 2011-07-12

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Family Applications (1)

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CA2394311A Expired - Lifetime CA2394311C (en) 1999-12-15 2000-12-14 Dual network system and method for online authentication or authorization

Country Status (8)

Country Link
US (2) US6934858B2 (en)
EP (1) EP1238336B8 (en)
JP (1) JP2003517680A (en)
AU (1) AU773107B2 (en)
CA (1) CA2394311C (en)
ES (1) ES2463477T3 (en)
MX (1) MXPA02005782A (en)
WO (1) WO2001044940A1 (en)

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