System and method for acoustic two factor authentication

Details System and method for acoustic two factor authentication System and method for acoustic two factor authentication

H - Electricity

04

L

H04L 9/32 (2006.01) G07F 7/10 (2006.01) H04L 9/30 (2006.01) G07F 19/00 (2006.01)

Patent

CA 2476485

A hand-held token can be operated to generate an acoustic or other wireless signal representing a digital signature produced from the private key of a public key pair (44), with the public key being confidential in that it is known only to authorized entities, such as bank computers. The signal from the token can be received by, e.g., a receiver at a bank ATM (46) that also requires a PIN for account access. The user enters the PIN into the ATM (48), and the ATM (52) encrypts the signal from the token with the PIN and sends it on to the bank computer (54) over a link that need not be secure, since even if the PIN is guessed there is no way to verify that it is the correct PIN without also knowing the confidential public key held by the bank computer.

L'invention concerne un jeton tenant dans la main, pouvant Útre utilis~ pour g~n~rer un signal acoustique ou un autre signal sans fil repr~sentant une signature num~rique obtenue ~ partir d'une cl~ priv~e d'une paire (44) de cl~s publiques, la cl~ publique ~tant confidentielle et connue uniquement des entit~s autoris~es, par exemple les ordinateurs des banques. Le signal du jeton peut Útre re×u, par exemple, par un destinataire au guichet automatique bancaire (GAB) (46) d'une banque, exigeant ~galement un num~ro d'identification personnel (PIN) pour l'acc­s ~ un compte. L'utilisateur entre le PIN dans le GAB (48) et le GAB (52) chiffre le signal du jeton ~ l'aide du PIN et l'envoie ~ l'ordinateur (54) de la banque sur une liaison ne devant pas Útre n~cessairement s~curis~e, ~tant donn~ que mÚme si le PIN est devin~, il est impossible de v~rifier s'il s'agit du PIN correct sans conna¹tre ~galement la cl~ publique confidentielle d~tenue par l'ordinateur de la banque.

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