Secure authentication of user and mobile device

1. A method for authentication, comprising:

receiving, by a mobile device, a user request to access a service provider application on the mobile device;

providing, by the mobile device, credentials to an access device, which transmits an authorization request message comprising the credentials and a transaction amount to a service provider computer;

receiving a request, by the mobile device from the service provider computer, for a cryptogram;

requesting, by the mobile device, using the service provider application, identification and verification from a user via an identification and verification application residing within the mobile device;

receiving, by the identification and verification application on the mobile device, a positive identification and verification response;

in response to the positive identification and verification response, generating, by a cryptogram generation module within a secure element in the mobile device, the cryptogram; and

transmitting, by the mobile device, the cryptogram to the service provider computer,

wherein the service provider computer verifies the cryptogram and thereafter allows the mobile device to perform a transaction.

2. The method of claim 1 , wherein the cryptogram is also generated using one or more of a user identification (ID) associated with the user, a timestamp, a service provider application ID, a device ID associated with the mobile device, or a service provider device ID.

3. The method of claim 1 , wherein the service provider computer verifies the cryptogram by determining a plurality of data elements encoded within the cryptogram, and then comparing the determined plurality of data elements to other data elements received from the mobile device.

4. The method of claim 3 , wherein the user and the mobile device are authenticated based on the comparing.

5. The method of claim 1 , wherein the cryptogram is also generated using the positive identification and verification response.

6. The method of claim 1 , wherein the identification and verification comprises at least one of fingerprint identification and verification, iris identification and verification, or voice identification and verification.

7. The method of claim 1 , wherein the cryptogram is transmitted to the service provider computer over the Internet.

8. The method of claim 1 , wherein the service provider computer is a digital wallet provider computer and the service provider application is a digital wallet application.

9. A mobile device, comprising:

a processor; and

a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor, for implementing a method:

receiving, by the mobile device, a user request to access a service provider application on the mobile device;

providing, by the mobile device, credentials to a resource provider computer, which transmits an authorization request message comprising the credentials and a transaction amount to a service provider computer;

receiving a request, by the mobile device from the service provider computer, for a cryptogram;

requesting, by the mobile device, using the service provider application, identification and verification from a user via an identification and verification application residing within the mobile device;

receiving, by the identification and verification application on the mobile device, a positive identification and verification response;

in response to the positive identification and verification response, generating, by a cryptogram generation module within a secure element in the mobile device, the cryptogram; and

transmitting, by the mobile device, the generated cryptogram to the service provider computer,

wherein the service provider computer verifies the cryptogram and thereafter allows the mobile device to perform a transaction.

10. The mobile device of claim 9 , wherein the cryptogram is also generated using one or more of a user identification (ID) associated with the user, a timestamp, a service provider application ID, a device ID associated with the mobile device, or a service provider device ID.

11. The mobile device of claim 9 , wherein the service provider computer verifies the cryptogram by determining a plurality of data elements encoded within the cryptogram, and then comparing the determined plurality of data elements to other data elements received from the mobile device.

12. The mobile device of claim 11 , wherein the user and the mobile device are authenticated based on the comparing.

13. The mobile device of claim 9 , wherein the cryptogram is also generated using the positive identification and verification response.

14. The mobile device of claim 9 , wherein the identification and verification comprises at least one of fingerprint identification and verification, iris identification and verification, or voice identification and verification.

15. The mobile device of claim 9 , wherein the cryptogram is transmitted to the service provider computer over the Internet.

16. The mobile device of claim 9 , wherein the cryptogram is matched to a transaction ID by the service provider computer.

17. A method for authentication, comprising:

receiving, by a service provider computer, an authorization request message comprising a credential and a transaction amount from an access device, wherein the access device received the credential from a mobile device;

requesting, by the service provider computer from the mobile device, a cryptogram;

receiving, by the service provider computer associated with a service provider application, the cryptogram, wherein the cryptogram was generated by a cryptogram generation module in a secure element on the mobile device, by encrypting data in response to a positive identification and verification response, the positive identification and verification response received in response to an identification and verification request to a user of the mobile device, initiated by an identification and verification application on the mobile device;

decrypting, by the service provider computer, the received cryptogram; and

verifying, by the service provider computer, the cryptogram by determining a plurality of data elements encoded within the cryptogram, and then comparing the determined plurality of data elements to other data elements received by the service provider computer.

18. The method of claim 17 , further comprising:

authenticating the user of the mobile device based on the verifying.

19. The method of claim 17 , wherein the identification and verification application comprises one or more of fingerprint identification and verification, iris identification and verification, or voice identification and verification.