Network transaction verification and authentication

Details Network transaction verification and authentication Network transaction verification and authentication

H - Electricity

04

L

H04L 9/32 (2006.01)

Patent

CA 2680994

A two-level authentication system is described supporting two-factor authentication that offers efficient protection for secure on-line Web applications. It includes a global unique identity (UID) provided either by an institute-issued trusted device, or based on client computing platform hardware attributes, and generated using institution authorized private software, institution-authorized authentication proxy software, and an institution-generated credential code which is pre-stored in the token and only accessible by the institute-authorized authentication proxy software. The institution-authorized authentication proxy software uses the user's PIN and the trusted device's HID as input and verifies the user and device identities through institution- generated credential code which was pre-stored in the trusted device. Authentication is performed in two levels: the first authenticates the user and the trusted device locally; and the second authenticates the user remotely at the institution-owned authentication server. Various embodiments add extra levels of security, including one-time-password management and message integrity checking.

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