User-convenient authentication method and apparatus using a mobile authentication application

Abstract

Methods, apparatus, and systems for securing application interactions are disclosed. Application interactions may be secured by, at a user authentication device, capturing a signal emitted by an access device encoded with an authentication initiating message including an application identifier, decoding the signal and obtaining the authentication initiating message, retrieving the application identifier, presenting a human interpretable representation of the application identity to the user, obtaining user approval to generate a response message available to a verification server, generating a dynamic security value using a cryptographic algorithm that is cryptographically linked to the application identity, and generating a response message including the generated dynamic security value; making the response message available to a verification server; and, at the verification server, receiving the response message, verifying the response message including verifying the validity of the dynamic security value, and communicating the result of the verification of the response message to the application.