SECURE AND EFFICIENT LOGIN AND TRANSACTION AUTHENTICATION USING IPHONES AND OTHER SMART MOBILE COMMUNICATION DEVICES

摘要

To authenticate a user of a mobile communication device for login or transaction authorization, a first application on the device directs transmission of a request for authentication of the user to a security server. A second application on the device receives the request for authentication from the security server and directs presentation of the received request for authentication to the user by the device. The second application receives a user input to the device indicating that the requested authentication should proceed and in response directs transmission of an indication that the requested authorization should proceed, to the security server. In response to this latter transmission, the second application receives a PIN from the authentication server. The first application directs transmission of the PIN received by the second application to the network site, which validates the transmitted PIN, in order to authenticate the user or the transaction to the network site.