Fmr Corp.

Anthony M Marotto

Rajandra Laxman Kulkarni

Adam Greenberg

William A Thornton, Iii

Alexander L Popowycz

Michael Francis LoPiano

A method for using multiple channels to access a resource, wherein an authenticated user requests a resource that requires a second authentication parameter over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is allowed access to the resource on the first or second channel.

Single-party, secure multi-channel authentication for access to a resource

Described are methods, systems, and apparatus, including computer program products for providing authentication for service provisioning. One or more executable authentication rules are provided for determining access by a user to one or more services. At least a first executable authentication rule is selected from the one or more executable authentication rules. The first executable authentication rule is for determining access by the user to at least a first service from the one or more services, wherein selecting the first executable authentication rule is based on: a characteristic of the user, a characteristic of a request, a characteristic of an acquisition point, or any combination thereof. A rules credential is generated. The rules credential includes the first executable authentication rule.

Acquisition of authentication rules for service provisioning

A method for using multiple channels to access a resource, wherein a first user requests a resource that requires an indication of approval from a second user, a token value is transmitted to the first user on the first channel, and the second user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the first user is allowed access to the resource on the first. The first and second user may be independently authenticated in some implementations and not independently authenticated in other implementations.

Multi-party, secure multi-channel authentication

A method for using multiple channels to authenticate a user, wherein a first authentication parameter from a first device associated with a user is received over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is authenticated on the first channel.

Single-party, secure multi-channel authentication

Described are methods, systems, and apparatus, including computer program products for providing authentication for service provisioning. At least a first and a second executable authentication rule are provided. One or both of the first and second executable authentications are for determining access by a user to a service. The first executable authentication rule is selected when a lifecycle state associated with the user is in a first state. The second executable authentication rule is selected when the lifecycle state is in a second state. A rules credential is generated. The rules credential includes the selected executable authentication rule.

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Cambridge, MA, United States of America

Anthony M Marotto