| 摘要 |
A system and method for providing transaction-level security, such as authentication, authorization, or non-repudiation of business-related and other transactions, using shared keys and single use transaction signatures (SUTS). In accordance with an embodiment, to utilize the system, a user registers a client device with an identity service provider (IdP). The client device can be a computing device such as a mobile phone, personal digital assistant (PDA), netbook, or other specialized computer or computing device, each of which are hereinafter generally referred to as a“client device”. The registration process typically involves setting-up a shared secret key and personal identification number (pin). Once registered, all communication between the client device and the IdP is encrypted using a key generated with some combination of the secret key, pin, and/or timestamp, over a secured channel (e.g. https). For a particular transaction, users can generate digital transaction signatures using the client device, and third-party applications or parties can verify the transaction signature by providing a transaction identifier (id) and the signature to the IdP. In accordance with various embodiments, the transaction signature comprises encoding some combination of a transaction id, shared secret key (or manipulation thereof), secret pin, timestamp, and/or transaction type, which in accordance with some embodiments can be based on message authentication code (MAC). In accordance with an embodiment, a third-party, such as a bank, can validate a transaction themselves through a special arrangement with the IdP. In these scenarios, the bank can act as a delegated IdP between the user and a merchant, protecting the user and the merchant from malicious transactions.
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