Patent Application

App. No. 17/559,018

Abstract

Claims (78)

1 . A method of digital authentication, comprising:

providing an authenticator for use with a first computing device;

displaying a login screen on the first computing device, wherein the login screen is associated with an application;

receiving a first set of factors at the first computing device;

sending information related to the first set of factors to a processing system;

receiving a second set of factors from one of the first computing device or a second computing device; and

using information related to one or more of the first set of factors and the second set of factors to:

authenticate the application on the first computing device,

authenticate a user on the login screen displayed on the first computing device, wherein authenticating the user comprises enabling one or more components of the application, the one or more components comprising at least one of (a) linking a user account associated with the user to the second set of factors, (b) completing a purchase on the application, or (c) automatically logging the user into the application,

or a combination thereof.

2 . The method of claim 1 , wherein the first set of factors comprise one of knowledge factors, inherence factors, and possession factors.

3 . The method of claim 2 , wherein the second set of factors comprise another one of knowledge factors, inherence factors, and possession factors, and wherein the first set of factors are different from the second set of factors.

4 . The method of claim 3 , wherein:

the knowledge factors are selected from a group consisting of user credential information, a PIN, a passcode, an answer to a security question, and a one-time password;

the inherence factors comprise biometric information, the biometric information selected from a group consisting of a fingerprint scan, voice scan, retina scan, iris scan, and behavioral analysis information for the user; and

the possession factors are selected from a group consisting of a physical keycard, USB dongle, a Near Field Communication (NFC) dongle, a mobile device, an access badge, a one-time password (OTP), a private key, and a software token or certificate.

5 . The method of claim 1 , wherein authenticating the application on the first computing device comprises:

providing a domain associated with the application to the authenticator on the first computing device;

accessing, by the authenticator, the first set of factors from the first computing device;

receiving, by the authenticator, a challenge from the processing system; and

signing, by the authenticator, the challenge, wherein the signing is based at least in part on the domain associated with the application and the first set of factors.

6 . The method of claim 5 , wherein the signing is further based in part on a public-private key pair associated with the user account, the public-private key pair including a private key stored by the authenticator and a public key stored by the processing system, and wherein automatically logging the user into the application comprises:

receiving, by the processing system, the signed challenge from the authenticator;

determining, by the processing system, possession of the private key by the authenticator based in part on the received signed challenge; and

verifying the user based in part on determining that the authenticator possesses the private key corresponding to the public-private key pair.

7 . The method of claim 6 , further comprising:

receiving, by the authenticator, a third set of factors, wherein the third set of factors comprise one of biometrics information or user credential information for the user, the user credential information comprising one or more of a username, a password, a PIN, and a passcode, and

wherein the second set of factors comprise at least one of the public key or the private key,

and wherein the second set of factors are unlocked based in part on receiving the third set of factors.

8 . The method of claim 7 , wherein the authenticator is one of a biometrics authenticator, a hardware authenticator, or a software authenticator.

9 . The method of claim 8 , further comprising:

storing, by the authenticator, the first set of factors and the second set of factors, wherein the storing comprises linking the first set of factors and the second set of factors to the user account for the application.

10 . The method of claim 1 , wherein the first set of factors comprise a time factor or a location factor.

11 . The method of claim 10 , further comprising:

determining a risk level based on assessing the first set of factors;

receiving a third set of factors from one of the first computing device and the second computing device based on determining the risk level exceeds a threshold; and

using information related to the first, second, and third set of factors to authenticate the application on the first computing device, authenticate the user on the login screen displayed on the first computing device, or a combination thereof.

12 . The method of claim 1 , wherein the second set of factors are received from the second computing device.

13 . A plurality of non-transitory, tangible, computer-readable storage medium across a plurality of devices, wherein the plurality of non-transitory, tangible, computer-readable storage medium are encoded with processor-readable instructions which, together, perform a method of digital authentication, the method comprising:

providing an authenticator for use with a first computing device;

displaying a login screen on the first computing device, wherein the login screen is associated with an application;

receiving a first set of factors at the first computing device;

sending information related to the first set of factors to a processing system;

receiving a second set of factors from one of the first computing device or a second computing device; and

using information related to one or more of the first set of factors and the second set of factors to:

authenticate the application on the first computing device, and

authenticate a user on the login screen displayed on the first computing device, wherein authenticating the user comprises enabling one or more components of the application, the one or more components comprising at least one of (a) linking a user account associated with the user to the second set of factors, (b) completing a purchase on the application, or (c) automatically logging the user into the application,

or a combination thereof.

14 . The non-transitory tangible computer-readable storage medium of claim 13 , wherein the first set of factors comprise one of knowledge factors, inherence factors, and possession factors.

15 . The non-transitory tangible computer-readable storage medium of claim 14 , wherein the second set of factors comprise another one of knowledge factors, inherence factors, and possession factors, and wherein the first set of factors are different from the second set of factors.

16 . The non-transitory, tangible computer-readable storage medium of claim 15 , wherein:

the knowledge factors are selected from a group consisting of user credential information, a PIN, a passcode, an answer to a security question, and a one-time password;

the inherence factors comprise biometric information, the biometric information selected from a group consisting of a fingerprint scan, voice scan, retina scan, iris scan, and behavioral analysis information for the user; and

the possession factors are selected from a group consisting of a physical keycard, USB dongle, a Near Field Communication (NFC) dongle, a mobile device, an access badge, a one-time password (OTP), a private key, and a software token or certificate.

17 . The non-transitory, tangible computer-readable storage medium of claim 13 , wherein authenticating the application on the first computing device comprises:

providing a domain associated with the application to the authenticator on the first computing device;

accessing, by the authenticator, the first set of factors on the first computing device;

receiving, by the authenticator, a challenge from the processing system; and

signing, by the authenticator, the challenge, wherein the signing is based at least in part on the domain associated with the application and the first set of factors.

18 . The non-transitory, tangible computer-readable storage medium of claim 17 , wherein the signing is further based in part on a public-private key pair associated with the user account, the public-private key pair including a private key stored by the authenticator and a public key stored by the processing system, and wherein automatically logging the user into the application comprises:

receiving, by the processing system, the signed challenge from the authenticator;

determining, by the processing system, possession of the private key by the authenticator based in part on the received signed challenge; and

verifying the user based in part on determining that the authenticator possesses the private key corresponding to the public-private key pair.

19 . The non-transitory, tangible computer-readable storage medium of claim 18 , wherein the method further comprises:

receiving, by the authenticator, a third set of factors, wherein the third set of factors comprise one of biometrics information or user credential information for the user, the user credential information comprising one or more of a username, a password, a PIN, and a passcode,

and wherein the second set of factors comprise at least one of the public key or the private key,

and wherein the second set of factors are unlocked based in part on receiving the third set of factors.

20 . A system configured for digital authentication, the system comprising:

one or more hardware processors configured by machine-readable instructions to:

provide an authenticator for use with a first computing device;

display a login screen on the first computing device, wherein the login screen is associated with an application;

receive a first set of factors at the first computing device;

send information related to the first set of factors to a processing system;

receive a second set of factors from one of the first computing device or a second computing device; and

use information related to one or more of the first set of factors and the second set of factors to:

authenticate the application on the first computing device, and

authenticate a user on the login screen displayed on the first computing device, wherein authenticating the user comprises enabling one or more components of the application, the one or more components comprising at least one of (a) linking a user account associated with the user to the second set of factors, (b) completing a purchase on the application, or (c) automatically logging the user into the application,

or a combination thereof.

Assignments (11)