The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 27, 2024
Filed:
Jun. 29, 2023
Citicorp Credit Services, Inc. (Usa), Jacksonville, FL (US);
Ronald Chu, Los Angeles, CA (US);
Mark Kogen, Torrance, CA (US);
Warren Tan, Thousand Oaks, CA (US);
Simon Ma, Torrance, CA (US);
Yosif Smushkovich, Santa Monica, CA (US);
Gerry Glindro, Carson, CA (US);
Jeffrey Nicholas, Los Angeles, CA (US);
CITICORP CREDIT SERVICES, INC. (USA), Jacksonville, FL (US);
Abstract
Secure user authentication using a OTP involve pre-storing an application on a first device for generating a valid OTP for the user responsive to receiving entry of a valid PIN, no part of the valid PIN is stored on the first device and pre-storing on a back-end server the valid PIN and a valid shared secret for the user. Upon receiving entry of a purported PIN, a purported shared secret is dynamically synthesized on the first device by the application based on the purported PIN and a purported OTP is generated on the first device. When entry of the purported OTP is received by the server in an attempt to log on the server from a second device, the server cryptographically calculates a window of OTPs, and logs on to the server from the second device is allowed if the calculated window of OTPs corresponds to the received OTP.