Ca, Inc.

Ambarish Malpani

Rammohan Varadarajan

Systems, apparatus, methods, and computer program products for using quick response (QR) codes for authenticating users to ATMs and other secure machines for cardless transactions are disclosed. Embodiments of the present disclosure read an image displayed on a display of an external device using a mobile device associated with a user authorized to access a secure resource, decode transaction information encoded in the image, transmit the transaction information and an identifier of the mobile device from the mobile device to an authentication system, and grant access to the secure resource if the transaction information and the identifier satisfy an authentication test performed at the authentication system.

Authenticating users to ATMs and other secure machines for cardless transactions

According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may also include authenticating the user by the authentication server in response to a request from the user to use the one-time password. The method may further include authorizing the use of the one-time password for the transaction in response to authenticating the user by the authentication server. The method may moreover include using the one-time password in combination with an account number to settle the transaction between the user and the merchant. The method may additionally include sending a message to the authentication server originating from the merchant, wherein the message comprises the one-time password, and wherein the message requests a determination whether the one-time password is authorized for use in the transaction. The method may also include sending a message to the merchant originating from the authentication server, wherein the message includes a determination whether the transaction should be approved in response to the authentication server determining whether the one-time password is authorized for use in the transaction.

One-time use password systems and methods

Security and convenience are provided by a system, apparatus, method, and computer program product that stores two or more encryption keys that correspond to two or more levels of authentication. The encryption keys may be encrypted and decrypted utilizing an endorsement key and trusted computing techniques. Or the encryption keys may be stored in a secure manner utilizing key protection techniques, such as cryptographic camouflaging. A first encryption key is recovered automatically for the first level of authentication. And input is requested to recover the second encryption key for the second level of authentication.

Secure and convenient mobile authentication techniques

A technique for mapping a biometric credential of a user to a data value such as a key or password. A database stores multiple entries of biometric templates and associated data values for different users. One of the entries is a match for a particular user, and the remaining entries are randomly selected. The number of entries is reasonably large to provide a desired degree of randomness for a given entry, but smaller than a key space of the data values. Based on an input of a biometric sample of the user, a best match is selected from the entries of biometric templates, and the associated data value is used to authenticate the user. Two- or three-factor authentication can be provided. Additional factors can include a password provided by the user and a key which is encrypted by the data value of the matching entry.

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Palo Alto, CA, United States of America

Ambarish Malpani