Ca, Inc.

Ca Technologies, Inc.

Mohammed Mujeeb Kaladgi

Yashwant Ramkishan Sawant

Ruqiya Nikhat Kaladgi

Jameel Ahmed Kaladgi

Junaid Ahmed Jameel

Mahesh Malatesh Chitragar

Banisetti Sandeep

Sandeep Banisetti

Sharath Lakshman Kumar

Vishwanatha Salian

Mohammad Faiz Usmani

Rajendra Pachouri

Pradeep G Nair

Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.

Tokenized account information with integrated authentication

A method includes determining a match score indicative of similarities between (1) signal information associated with a current route being traveled by a user in connection with a transaction with a merchant and (2) signal information associated with an established route traveled by the user in connection with a previous transaction between the user and the merchant, wherein the signal information comprises signal signatures that identify one or more signal emitters identified along each route. The method also includes determining whether the current route matches the established route based on whether the match score is above a threshold. The method further includes if the match score is below the threshold, transmitting a message indicating that the user was not authenticated.

Emitter recognition and sequencing for risk analytics

Provided is a process that includes: receiving, with a first device, a request to authenticate a user; obtaining, with the first device, an unstructured-data authentication input; extracting, with the first computing device, a plurality of features of the unstructured-data authentication input to form a structured-data representation; determining, with the first device, a first instance of a value that deterministically varies; and determining, with the first device, a first encrypted value based on both the structured-data representation and the first instance of the value that deterministically varies; and sending, with the first device, the first encrypted value to a second computing device.

Secure biometric authentication with client-side feature extraction

Techniques are disclosed relating to authorization of asset sharing for transactions by other user accounts. In some embodiments, an apparatus is configured to transmit a request to a mobile device on behalf of a first user account. In some embodiments, the apparatus is configured to receive, from the mobile device in response to the request, an electronic message in a format recognized by an authorization computing system. In some embodiments, the electronic message includes a constraint for a transaction, a replenishment key, and a hash value generated based on at least a portion of other information in the message. In some embodiments, the apparatus is configured to transmit the electronic message for communication to the authorization computing system. In some embodiments, the apparatus is configured to receive transaction authorization based on a comparison of the hash value in the electronic message and a copy of the hash value from the mobile device.

Secure resource sharing between computing devices for electronic transactions

A method includes receiving a security profile comprising user-defined rules for processing sensitive data, and identifying a plurality of sensitive data components in a data file according to the security profile. The method further includes generating a respective format-preserving token for each of the identified plurality of sensitive data components. The method additionally includes generating a corresponding token key for each of the respective-format preserving tokens, and replacing each of the plurality of sensitive data components in the data file with the respective format-preserving token. Further, the method includes cryptographically camouflaging each of the token keys using a first password and storing each of the cryptographically camouflaged token keys.

Restricting access to sensitive data using tokenization

Technologies are provided herein and include embodiments for protecting applications and information on a user computing device and include generating a menu of icons including an application icon and a decoy icon that correspond to a mobile application in a mobile device, where the application icon is assigned to a first location in the menu and the decoy icon is assigned to a second location in the menu. The embodiment further includes communicating icon location information to the mobile application, providing the menu of icons for display on a display screen of the mobile device, receiving a first indication of user input to select the decoy icon in the menu of icons, invoking the mobile application based on the decoy icon being selected, and communicating, to the mobile application based on the decoy icon being selected, second location information indicating the second location in the menu of icons.

Using decoy icons to prevent unwanted user access to applications on a user computing device

A restriction request message, including a restriction parameter for a secondary account, is received from a device that is associated with a primary account, via a network node that is outside of a secure authorization network. A replenishment request message, including a password and an account replenishment parameter for the secondary account, is also received via a network node that is outside of the authorization network. Authentication is performed based on the password, and the restriction parameter for the secondary account is identified responsive to receiving the replenishment request message. Responsive to determining that the account replenishment parameter satisfies the restriction parameter, a replacement key is generated and associated with the account replenishment parameter for the secondary account. A replenishment response message including the replacement key is transmitted to a device that is associated with the secondary account, via a network node that is outside of the authorization network.

Restricting account use by controlled replenishment

To protect confidential data, a mobile device determines whether the mobile device is at a location susceptible to visual capture of confidential data entered into the phone by external cameras. The mobile device determines whether focus of a display is on a field in which confidential data is entered. If the mobile device determines that it is at a location susceptible to an external imaging device visually capturing confidential data input into the input field, then the mobile device activate a light source on a same side as the screen presenting the display.

Protection of confidential data being displayed or input in a mobile device

In accordance with the teachings of the present disclosure, a method is provided for reducing the chances of shoulder surfing. The method may include determining an approximate angle of orientation of a mobile device and selecting one of first or second input key layouts, based upon the approximate angle of orientation. The first input key layout may be a standard layout of alphanumeric characters and the second input key layout may be a disordered layout of the alphanumeric characters. The method may also include displaying the selected one of the first or second input key layouts at a graphical user interface of the mobile device and receiving an input of sensitive information at the graphical user interface.

Prevention of shoulder surfing

A method for two factor authentication is described. The method comprises sending an activation code stored on a mobile device to a server for verification. An encrypted secret key generated by the server using the activation code is received. The secret key is decrypted using the activation code stored on the mobile device. The mobile device encrypts the secret key using a predetermined PIN. As a result of a user inputting the predetermined PIN, the secret key is decrypted, the mobile device generates a first token using the secret key and transmits the first token to the server to authenticate the user. After receiving authentication from the server, the information on the mobile device is synced with the server.

Simplified two factor authentication for mobile payments

A method for receiving a first access request from a client computer is described. The method comprises, in response to receiving the first access request, generating a query string comprising a predetermined number of characters, designating, via a unique indicator, a first randomized subset of the predetermined number of characters, wherein the first randomized subset comprises a plurality of the predetermined number of characters, and requesting a first predefined response comprising the first randomized subset of the predetermined number of characters. The method further comprises receiving a first client input from the client computer, determining whether the first client input matches the first predefined response, and accepting the first access request if the first client input matches the first predefined response.

Applying a partial captcha

Aspects of the embodiments are directed to an augmented reality Completely Automated Public Turing test to tell Computers and Humans Apart ('captcha'). Upon determining that a user, operating a user device, is attempting to access a website, a host server can cause a camera on the user device to activate and begin streaming and image feed to the host device across a network. The host device can determine an appropriate augmentation to the image feed that is germane to the context and/or environment of what is being displayed in the image feed. The augmentation can be displayed to the user on a display of the user device. The augmentation can also include a prompt instructing the user how to interact with the augmentation. The host server can determine whether to grant the user access based on the user's interaction with the augmentation.

Augmented reality captcha

A device unlock pattern ('pattern password') is static in that the same pattern is entered each time to unlock a device. Due to this repetition, a pattern password may be discovered by an application that captures touchscreen gestures, by inspection of fingerprints or smudges on a screen, or simply by an onlooker that views the pattern password being entered. A variable hint pattern can be used to impede discovery. A hint pattern is a sub-pattern ('hint') of the pattern password to be completed for device unlock. A variable hint pattern can impede discovery by changing the sub-pattern at a defined change threshold related to unlock attempts. The device can randomly change the sub-pattern or randomly change the missing portions of the pattern password at each change threshold. As a result, different inputs complete the pattern password. This variance stymies the methods typically used to discover pattern passwords.

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Bengaluru, India

Mohammed Mujeeb Kaladgi