Systems and methods for authenticating mobile device communications

1. A computer-implemented method for authenticating communications, the method comprising:

receiving, by a service manager computer comprising one or more processors, a first information from one or more service providers associated with the mobile device;

receiving, by the service manager computer, a second information from one or more mobile network operators associated with the mobile device;

generating, by the service manager computer, customized information associated with the mobile device based at least in part on the received first information and the received second information;

receiving, by the service manager computer, a message communicated from a service provider server associated with the one or more service providers to a mobile device;

receiving, by the service manager computer, from the mobile device, an identifier of a secure element included in a memory of the mobile device;

generating, by the service manager computer, a shared secret between the service provider server and the mobile device based at least in part on the received identifier and the customized information;

generating, based upon the shared secret between the service provider server and the mobile device, a payload authentication code (PAC);

associating the generated PAC with a payload for the message; and

communicating the message and the generated PAC to the mobile device, wherein the mobile device is configured to utilize the shared secret to verify the PAC and authenticate the message.

2. The computer-implemented method of claim 1 , wherein communicating the message and the generated PAC to the mobile device comprises communicating the message and the generated PAC to the mobile device via an intermediary.

3. The computer-implemented method of claim 1 , further comprising:

encrypting the payload of the message.

4. The computer-implemented method of claim 1 , further comprising:

provisioning the mobile device with an application configured to verify the PAC and decrypt the payload.

5. The computer-implemented method of claim 1 , wherein generating a PAC based upon a shared secret comprises generating a PAC based upon at least one of a dynamic passcode authentication, or a derived unique key per transaction (DUKPT).

6. The computer-implemented method of claim 1 , wherein the shared secret is established during an initial registration of the mobile device with the service provider.

7. The computer-implemented method of claim 1 , wherein the message comprises a first message, the PAC comprises a first PAC, and further comprising:

receiving, from the mobile device, a second message comprising a second PAC generated by the mobile device based upon the shared secret;

determining, based at least in part upon the shared secret, whether the second PAC is valid; and

authenticating the second message if it is determined that the second PAC is valid; or

identifying the second message as an invalid message if it is determined that the second PAC is invalid.

8. A system for authenticating communications, the system comprising:

at least one memory configured to store computer-executable instructions; and

at least one processor configured to access the at least one memory and execute the computer-executable instructions to:

receive a first information from one or more service providers associated with a mobile device;

receive a second information from one or more mobile network operators associated with the mobile device;

generate customized information associated with the mobile device based at least in part on the received first information and the received second information;

receive a message communicated from a service provider server associated with the one or more service providers to the mobile device;

receive from the mobile device, an identifier of a secure element included in a memory of the mobile device;

generate a shared secret between the service provider server and the mobile device based at least in part on the received identifier and the customized information;

generate, based upon the shared secret between the service provider server and the mobile device, a payload authentication code (PAC);

associate the generated PAC with a payload for the message; and

direct communication of the message and the generated PAC to the mobile device, wherein the mobile device is configured to utilize the shared secret to verify the PAC and authenticate the message.

9. The system of claim 8 , wherein the message and the generated PAC are communicated to the mobile device via an intermediary.

10. The system of claim 8 , wherein the at least one processor is further configured to execute the computer-executable instructions to:

encrypt the payload of the message.

11. The system of claim 8 , wherein the at least one processor is further configured to execute the computer-executable instructions to:

provision the mobile device with an application configured to verify the PAC and decrypt the payload.

12. The system of claim 8 , wherein the shared secret comprises at least one of a dynamic passcode authentication, or a derived unique key per transaction (DUKPT).

13. The system of claim 12 , wherein the shared secret is established during an initial registration of the mobile device with the service provider.

14. The system of claim 8 , wherein:

the message comprises a first message;

the PAC comprises a first PAC; and

the at least one processor is further configured to execute the computer-executable instructions to:

receive, from the mobile device, a second message comprising a second PAC generated by the mobile device based upon the shared secret;

determine, based at least in part upon the shared secret, whether the second PAC is valid; and

authenticate the second message if it is determined that the second PAC is valid; or

identify the second message as an invalid message if it is determined that the second PAC is invalid.

15. A computer-implemented method for authenticating communications, the method comprising:

receiving, by a mobile device comprising one or more computer processors, a message output by a service provider server associated with one or more service providers, wherein the one or more service providers are associated with the mobile device;

sending, by the mobile device, to the service provider server an identifier of a secure element included in a memory of the mobile device;

identifying, by the mobile device based upon an analysis of the received message, a payload authentication code (PAC) generated by a service manager computer based on a shared secret between the service provider server and the mobile device, wherein the shared secret is based at least in part on the identifier and on customized information associated with a first information from the one or more service providers and a second information from one or more mobile network operators, wherein the one or more mobile network operators are associated with the mobile device;

verifying, by the mobile device based at least in part upon the shared secret between the mobile device and the service provider server, the PAC; and

authenticating, by the mobile device based at least in part upon the verification, a payload of the received message.

16. The computer-implemented method of claim 15 , wherein receiving a message comprises receiving a message via an intermediary that receives the message output by the service provider and communicates the message to the mobile device.

17. The computer-implemented method of claim 15 , further comprising:

receiving, by the mobile device from the service provider during a provisioning of the mobile device, an application that is executed by a secure element associated with the mobile device to verify the PAC.

18. The computer-implemented method of claim 15 , further comprising:

decrypting, by the application, the payload of the message.

19. The computer-implemented method of claim 15 , wherein verifying the PAC based at least in part upon a shared secret comprises verifying the PAC based upon at least one of a dynamic passcode authentication, or a derived unique key per transaction (DUKPT).

20. The computer-implemented method of claim 15 , wherein the shared secret is established during an initial registration of the mobile device with the service provider.

21. The computer-implemented method of claim 1 , wherein the message comprises a first message, the PAC comprises a first PAC, and further comprising:

generating, by the mobile device, a second message comprising a second PAC generated by the mobile device based upon the shared secret; and

outputting, by the mobile device, the second message for communication to the service provider,

wherein the service provider utilizes the shared secret to determine whether the second PAC is valid.