Authentication utilizing a dynamic passcode from a user-defined formula based on a changing parameter value

摘要

An authentication system utilizes dynamic passcode from a user-defined formula based on a changing parameter value. The changing parameter is publicly accessible through the communication network and has a current value that is periodically updated, such as a stock value, temperature at a specific location, or a sports score. The user-defined formula is based on the changing parameter in order to derive a passcode which authenticates a user to an associated user account. As referred to herein, the user-defined formula is a mathematical formula in which the changing parameter is one variable (e.g., [changing parameter value]+1). Some formulas include more than one changing parameter.

主权项

1. A computer-implemented method on a passcode server that, when executed by a processor, performs a method for authenticating users for accounts over a communication network from dynamic passcodes, based on changing parameters in user-defined formulas, the method comprising the steps of:
securing a user account, comprising:
associating, by the processor, the passcode server with a user account for a user for authentication of access to the user account;receiving, by a network interface of the passcode server, a changing parameter as a baseline for a passcode, the changing parameter being publicly accessible through the communication network from a changing parameter resource device that is operationally external to and independent of both the user and the passcode server, and having a current value that is periodically updated;receiving, by the network interface, a user-defined formula based on at least the changing parameter in order to derive a passcode, the passcode authenticating a user to an associated user account;preventing access to the user account until the passcode is provided; authorizing the user account, comprising:
responsive to detecting an attempt to access the user account, retrieving a current value of the changing parameter from the changing parameter resource device;determining, by the processor, a current passcode based on the current value of the changing parameter as applied to the user-defined formula;receiving, by the network interface, a passcode provided by the user; andallowing, by the processor, access to the user account responsive to a match of the current passcode and the user-provided passcode.