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Smartphone enforced authentication for ATM

IP.com Disclosure Number: IPCOM000240376D
Publication Date: 2015-Jan-28
Document File: 3 page(s) / 59K

Publishing Venue

The IP.com Prior Art Database

Abstract

ATM are machines that need extra attention with regard to passwords. The bad consequences of a compromised password can be quick and expensive. As of today, they are protected only with passwords/PIN. We suggest here a system that adds extra identification security when withdrawing cash from an ATM machine. This approach can also be used for other security enforced devices, like residence gates, and other foxed machines.

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Smartphone enforced authentication for ATM

Context of the invention
- ATM are machines that need extra attention with regard to passwords. The bad consequences of a compromised password can be quick and expensive
- As of today, they are protected only with passwords/PIN
- We suggest here a system that adds extra identification security when withdrawing cash from an ATM machine. This approach can also be used for other security enforced devices, like residence gates, and other foxed machines.

Prior art / references
- Keywords: Multichannel Security Protocols, geo-localization
- The Invention relates to the domain of « Multichannel Security Protocols »
- http://www.computer.org/csdl/mags/pc/2007/04/mpc2007040031-abs.html
- One well known use of multiple channels (machine keyboard, phones) is the « 3-D Secure » protocol:
- http://en.wikipedia.org/wiki/3-D_Secure
- The originality of our disclosure is
- Uses a combination of multichannel and geo-localization
- No SMS or additional code is sent to the user, contrarily to most multi-channel protocols
Principle of the invention
- Within 15 minutes (configurable) before withdrawing, the user contacts his/her bank through a cell phone application (password protected)

- Application helps user identify close ATM (not claimed)

- The user announces which ATM will be used, and the amount of withdrawal (optional)

- When user goes to the ATM machine, the security protocol is the following:
- Check the PIN/password matches the card hoders...