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1. 发明申请

WO2016011170A1 TWO-FACTOR AUTHENTICATION WITH PUSH NOTIFICATION FOR A SECURITY CODE 审中-公开
标题翻译：用于安全代码的双向通知的双因素认证
公开(公告)号：WO2016011170A1
公开(公告)日：2016-01-21
申请号：PCT/US2015/040601
申请日：2015-07-15
申请人： SQUARE, INC.
发明人： TAYLOR, Jotham M. , FEDERMAN, Daniel S.
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/38
CPC分类号： H04L63/08 , G06F21/42 , G06Q20/32 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , H04L51/00 , H04L63/083 , H04L63/0853
摘要： Disclosed is a technology for password-free account authentication. The technology includes utilizing a mobile device running an application ("App") associated with a payment service (PS) system. Using the App, a user can enter an addressable handle, which is transmitted to the PS system. The PS system identifies an account state, based on the receipt of the addressable handle, for example, whether the addressable handle corresponds to a user's system account and device. A first authentication factor is based on the knowledge that the user is in possession of and has access to a device that corresponds to the user and the addressable handle. The PS system pushes a notification to the corresponding device, based on the account state, prompting entry of a security code. Receipt of a security code that corresponds to a payment card linked to the user's system account serves as a second authentication factor.
摘要翻译：公开了一种无密码帐户认证的技术。该技术包括利用运行与支付服务（PS）系统相关联的应用（“App”）的移动设备。使用App，用户可以输入可发送到PS系统的可寻址句柄。 PS系统基于可寻址句柄的接收来识别帐户状态，例如，可寻址句柄是否对应于用户的系统帐户和设备。第一认证因素基于用户拥有并且可以访问对应于用户的设备和可寻址句柄的知识。 PS系统根据帐户状态将通知推送到相应的设备，提示输入安全码。接收对应于与用户系统帐户相关联的支付卡的安全码作为第二认证因素。

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