Ebay, Incorporated

Paypal, Inc.

Verayo, Inc.

Eric Duprat

Upendra S Mardikar

David M'Raihi

Srinivas Devadas

Hadi Nahari

Sebastien Taveau

Meng-Day Yu

In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate.

Biometric authentication of mobile financial transactions by trusted service managers

An approach to cryptographic security uses a 'fuzzy' credential, in contrast to a 'hard' credential, to eliminate cryptographic algorithmic repeatability on a device that may be subject to physical attacks. By eliminating repeatability performed at an algorithmic (e.g., gate or software) level, a device inherently lacks one of the fundamental setup assumptions associated with certain classes of side channel, fault injection, timing, and related attacks, thus helps to protect the system against such attacks while preserving the cryptographic security of the system.

Cryptographic security using fuzzy credentials for device and server communications

Various methods and systems are provided for inserting a user-selected pattern below a main application display when sensitive information is being requested or to be communicated. The border of the main application layer may also be modified at this time, either with or without the underlying pattern. This visual change provides the user an assurance that the application or site is authentic and not a phishing attack. The user-selected patterns are stored in secure areas, such as a secure element on the user device or in a cloud accessible by the application or site.

Dynamic pattern insertion layer

A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.

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San Jose, CA, United States of America

Eric Duprat