Authentication using application authentication element

摘要

AUTHENTICATION USING APPLICATION AUTHENTICATION ELEMENT Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks and systems or proximity near field communications systems. Embodiments may be directed to a mobile communication device (20 1) 10 displaying an application authentication element including a pre-selected authentication element. The application authentication element may further include transaction data associated with a transaction conducted by a mobile communication device (201). The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer (411) or retrieving the pre-selected is authentication element from a secure memory (207) in the mobile communication device (201). A user authentication token may then be received by the mobile communication device from the user. The mobile communication device may then generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted using an application on the 20 mobile communication device. MOBILE PAYMENT APPLICATION CONTACTLESS ELEMENT WITH 52_0 SECURE MEMORY LAUNCH MOBILE PAYMENT APPLICATION FOR THE FIRST TIME PROMPT USER TO SELECT AN AUTHENTICATION ELEMENT FROM A GROUP OF PRESENTED OPTIONS STORE THE RECEIVED PRE-SELECTED TRANSMIT AUTENTIQL AUTHENTICATION ELEMENT IN A ELEMENT____ -PRE-SELECTED AUTHENTICATION ELEMENT DATABASE PROMPT USER TO SELECT A TYPE OF USER AUTHENTICATION STORE THE RECEIVED SECRET TOKEN AS 505- A SECRET REFERENCE TOKEN PROMPT USER TO ENTER, FOR THE FIRST TIME, A USER AUTHENTICATION TOKEN TRANSMIT A CONFIRMATION THAT THE BASED ON THE TYPE OF USER RECEIVED SECRET TOKEN IS SECURELY AUTHENTICATION SELECTED STORED GENERATE A SECRET TOKEN (UNKNOWN TO USER) FROM THE ENTERED AUTHENTICATION TOKEN TRANSMIT GENERATED SECRET TOKEN DISPLAY A SET-UP COMPLETE MESSAGE