Methodology for identifying local/mobile client computing devices using a network based database containing records of hashed distinctive hardware, software, and user provided biometric makers for authorization of electronic transactions and right of entry to secure locations

Abstract

The present invention consists of methods whereby local / mobile computing devices are registered by collecting a set of hardware and / or software distinctive identifiers to be saved in a validation database residing on a validation database server / Web server, such that the local / mobile computing device can be used as a digital hardware key for right of access and authorization of electronic transactions. This is done by comparing a regenerated set of hardware and / or software distinctive identifiers with those previously registered in the validation database in order to validate the identity of the local / mobile computing device. The invention consists of a first software program executing on a local / mobile computing device that generates the set of hashed and / or encrypted hardware and / or software distinctive identifiers and a second software program resident residing on a validation database server / Web server that manages the validation database.

Description

[0001]This application claims priority from provisional application No. 62 / 134,980, filed Mar. 18, 2015, the entire contents of which are herewith incorporated by reference.CROSS REFERENCE[0002]The present application is related to provisional application No. 61 / 414,679 filed Nov. 17, 2010, the disclosure of which is hereby incorporated by reference.FIELD OF INVENTION[0003]The invention relates to secure authorization of electronic transactions and / or a right of entry to access secure locations through a matching function of regenerated specified distinctive identifiers drawn from a local / mobile computing device to those specified distinctive identifiers previously registered in a validation database, in order to validate the identity of the local / mobile computing device.BACKGROUND[0004]In the cyber world we live in, the issue of security has risen to new heights of awareness and concern. This can range from the security of your financial and personal data to even issues of physical...

AI Technical Summary

Benefits of technology

[0044]An intent of the present invention is to insert a local / mobile computing device, known and approved by the rightful owner of the account, as a digital hardware key into the approval process required for gaining access and authorization. This access may address secure financial card / bank accounts, software applications, websites and physical things among other opportunities. In essence, the present invention validates the identity of a local / mobile computing device being used to initiate the access or authorization request and insures that the request is coming from a local / mobile computing device previously registered in the validation database and fully authorized for said use by the rightful account owner. In other words, even if the hacker / criminal has an account owner's complete personal and financial data, including their password or a forced biometric marker, the access / authorization request will not be approved unless it is being initiated by the rightful account owners local / mobile computing device, which is registered in the validation database. This invention provides a huge step forward in achieving security by greatly enhancing the use of multi-factor authentication techniques to reduce the scale of fraudulent transactions.

Problems solved by technology

The inclusion of the identity of the local / mobile computing device into the authorization equation creates the requirement for inclusion of something physical into the access / authorization request and thus, there is no longer any opportunity to gain unauthorized access simply in a simply cyber fashion.

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