Abstract:
A detection is made that a first entity residing on a mobile device is requesting authentication. The first entity resides in a first portion of the mobile device. A determination is made that the mobile device is unable to establish network connections with a remote authentication server that is configured to authenticate the first entity. A local authentication process is performed in response to the determination that the mobile device is unable to establish network connections with the remote authentication server. Without accessing the remote authentication server, the local authentication process is performed by a second entity that resides in a second portion of the mobile device. The second portion has a greater level of security than the first portion.

Description:
CLAIM OF PRIORITY 
       [0001]    The present application is a continuation application of U.S. patent application Ser. No. 14/557,499, filed on Dec. 2, 2014, which is a continuation application of U.S. patent application Ser. No. 13/441,363, filed on Apr. 6, 2012, now U.S. Pat. No. 8,914,876, issued Dec. 16, 2014, which claims priority to U.S. Provisional Patent Application No. 61/482,927, filed on May 5, 2011, the contents of each are herein incorporated by reference in their entirety. 
     
    
     BACKGROUND 
       [0002]    The present disclosure generally relates to managing payments online and, more particularly, to payment security. 
         [0003]    Online transactions are becoming more and more prevalent, with an ever-increasing number of online entities that may or may not have a physical real world counterpart. Furthermore, the services offered by these online entities have been improving as well. The popularity of online transactions is partially attributable to the ease and convenience of making a transaction online instead of at a physical location. However, payment security is a big concern in online payment systems and methods. What is needed is a secure payment platform and technology that can sufficiently address user concerns with respect to transactional security. 
       SUMMARY 
       [0004]    One of the broader forms of the present disclosure involves a system. The system includes: a computer memory storage component configured to store computer programming instructions; and a computer processor component operatively coupled to the computer memory storage component, wherein the computer processor component is configured to run a secure operating system and a non-secure operating system in parallel, wherein the secure and non-secure operating systems are isolated from each other, and wherein the computer processor component is configured to execute code to perform the following operations: receiving an authentication request from an application that is run by the non-secure operating system, wherein the authentication request contains credentials of the application; communicating with a secure applet that is run by the secure operating system, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating and vetting the application based on the credentials of the application. 
         [0005]    Another one of the broader forms of the present disclosure involves an apparatus comprising a non-transitory, tangible machine-readable storage medium storing a computer program, wherein the computer program contains machine-readable instructions that when executed electronically by processors, perform: receiving an authentication request from an application that resides in a non-secure portion of an electronic chip, wherein the authentication request contains credentials of the application; communicating with a secure applet that resides in a secure portion of the electronic chip, wherein the secure portion is segregated from the non-secure portion, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating and vetting the application based on the credentials of the application. 
         [0006]    Yet another one of the broader forms of the present disclosure involves a method of performing authentication and vetting. The method includes: receiving an authentication request from an application that resides in a non-secure portion of an electronic chip, wherein the authentication request contains credentials of the application; communicating with a secure applet that resides in a secure portion of the electronic chip, wherein the secure portion is segregated from the non-secure portion, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating and vetting the application based on the credentials of the application. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0007]      FIG. 1  illustrates a simplified block diagram of an electronic chip according to various aspects of the present disclosure. 
           [0008]      FIG. 2  illustrates a high level architecture for performing authentication and vetting according to various aspects of the present disclosure 
           [0009]      FIG. 3  illustrates a method for performing authentication and vetting according to various aspects of the present disclosure 
           [0010]      FIG. 4  illustrates a computer for implementing the various steps of the method of  FIG. 3  according to various aspects of the present disclosure 
       
    
    
     DETAILED DESCRIPTION 
       [0011]    It is to be understood that the following disclosure provides many different embodiments, or examples, for implementing different features of the present disclosure. Specific examples of components and arrangements are described below to simplify the present disclosure. These are, of course, merely examples and are not intended to be limiting. Various features may be arbitrarily drawn in different scales for simplicity and clarity. 
         [0012]    As mobile computing and communication technologies continue to advance, transactions involving mobile devices are becoming increasingly more prevalent. The popularity of making transactions through mobile devices is partially attributable to the ease and convenience of these transactions (for example an online purchase) instead of traditional transactions involving tangible funding instruments (for example actual money or checks) at a physical location. However, as mobile transactions gain popularity, attacks targeting these transactions are also on the rise. These attacks may involve attempts of trying to steal the user&#39;s identity or financial information, or may involve malevolent entities trying to pose as legitimate merchants. 
         [0013]    The present disclosure discloses methods and systems of that enhance the security of the mobile transactions, so that the attacks discussed above are substantially prevented or reduced. 
         [0014]    Referring to  FIG. 1 , a simplified block diagram of an electronic chip  100  is illustrated. The electronic chip  100  may be implemented on a mobile device such as a mobile telephone handset, a computer tablet, a laptop, or the like. In some embodiments, the electronic chip  100  includes a computer processor, for example an Advanced RISC Machine (ARM®) processor. The computer process unit may contain memory storage capable of storing computer instructions. In other embodiments, the electronic chip  100  includes a computer memory storage device, for example, Read-Only Memory (ROM), FLASH, Random Access Memory (RAM), hard disk, optical disk, magnetic disk, or other suitable types of volatile and non-volatile memory devices. 
         [0015]    The electronic chip  100  is a TrustZone®-enabled chip. TrustZone® is a technology developed by the ARM Holdings® company and offers a platform that supports a trusted environment where applications can be executed securely. In more detail, the electronic chip  100  includes a “normal world”  110 A and a “secure world”  110 B that are segregated from each other to prevent secure information from leaking from the secure world  110 B to the normal world  110 A. These two worlds  110 A and  110 B run parallel to each other on the same electronic chip  100 . The secure world  110 B is preloaded and validated prior to boot up time of a main operating system of the handset. In some embodiments, the normal world  110 A runs the main operating system of the handset, while the secure world  110 B runs a different (and more secure) operating system. Thus, the secure world  110 B can be used to verify the integrity of components or applications residing in the normal world  110 A. In some embodiments, such integrity verification may be accomplished by applying a set of control parameters against the last known or authorization configuration. 
         [0016]    The normal world  110 A and the secure world  110 B may each contain one or more software applications. In some embodiments, the software applications residing in the secure world  110 B may also be referred to as applets. For example, an application  120  resides in the normal world, and one or more secure applets  130  resides in the secure world. In some embodiments, the application  120  includes a part of a computer software program developed by a payment provider entity as such PAYPAL, INC®. of San Jose, Calif. or another suitable financial institution capable of transferring funds to and from a user&#39;s account. The application may be offered and downloaded by a user through the Internet, for example through GOOGLE PLAY® or the APPLE APP STORE®. The application  120  may include functionalities and interfaces that help perform standard tasks that require low levels of security. For example, the application  120  may contain programming instructions that allow a user of the payment provider entity to perform standard management tasks with his account, such as retrieving his purchasing history. In some other embodiments, the application  120  may be a part of a computer software program developed by a third party developer, for example a merchant that offers sale of tangible or digital goods. In that case, the application  120  from the third party developer can also be downloaded through GOOGLE PLAY® or the APPLE APP STORE®. 
         [0017]    The secure applets  130  residing in the secure world  110 B are program modules that are configured to perform secure tasks. In some embodiments, the secure applets  130  are another part of the computer software program developed by the payment provider entity. In other words, in that scenario, the secure applets  130  residing in the secure world  110 B and the application  120  residing in the normal world  110 A are two parts of a single downloadable application. 
         [0018]    As the application  120  resides in the normal world  110 A having lower levels of security, the application  120  may request authentication or vetting services from the secure applets  130  when tasks requiring high levels of security need to be performed. These secure tasks may include, but are not limited to, credential entry, secure identification entry, secure user interface, key access, or encryption/decryption services. Since the normal world  110 A and the secure world  110 B are segregated, a software module known as a monitor  140  may be used to carry out communication between the normal world  110 A and the secure world  110 B. In some embodiments, the monitor  140  is the sole means of communication between the normal world  110 A and the secure world  110 B. For example, the monitor  140  may interface with the application  120  without letting the application  120  gain access to any entities in the secure world  110 B. The monitor  140  may then relay the request from the application  120  to a target entity in the secure world  110 B, such as the secure applets  130 . The monitor  140  then gives feedback to the application  120 , sometimes along with a request resource such as a verification key or token. 
         [0019]    In the embodiment illustrated, however, the monitor  140  is largely (or at least partially) bypassed. Instead, a “hook”  150 A residing in the normal world  110 A and a “hook”  150 B residing in the secure world  110 B may be used to carry out the communication between the normal world  110 A and the secure world  110 B instead. The hooks  150 A and  150 B may be a software module or a logical function that runs on top of the monitor  140 . Whereas the monitor  140  functions like a gateway between the two worlds  110 A- 110 B and performs switching at an operating system level, the hooks  150 A- 150 B function as a “door-stop” that effectively “props open” the gateway between the two worlds  110 A- 110 B and performs switching at an application level. In some embodiments, the hooks  150 A- 150 B “prop open” the gateway for a single application. In other words, when in use by one application, another application not signed or recognized by the hooks  150 A- 150 B cannot dump the original application from the priority list. Each hook can reside in its own space or within the application or applet in its respective world. 
         [0020]    The hook  150 B residing in the secure world  110 B is implemented by the resources of a monitor toolkit  160 . The monitor toolkit  160  contains a full set of monitor functions. For a first time provisioning and activation, the hook  150 A and the hook  150 B may still go through the monitor  140 , which is indicated by a pathway  170 . Thereafter, direct communication may be established between the hook  150 A and the hook  150 B, which is indicated by a pathway  180 . Therefore, entities residing in the normal world  110 A such as the application  120  may communicate with the trusted entities residing in the secure world  110 B such as the secure applets through the hooks  150 A- 150 B, while bypassing the monitor  140 . 
         [0021]    The system described in  FIG. 1  can be used to enhance security in mobile device transactions. For example, if an application requesting authentication cannot seek verification by a remote secure entity, which may be due to loss of network connections or other reasons, then the secure applets  130  in the secure world may be used to authenticate or vet the application. This is possible because the secure applets  130  (and other entities) are already validated as being secure since they reside in the secure world  110 B, even if that secure world  110  is local to a mobile device itself. In this sense, the secure world  110 B of the electronic chip  100  is leveraged to perform tasks involving enhanced security. 
         [0022]    For example, a payment provider entity could provide to its partners a developer kit that would allow them to develop applications for various platforms with the security validation being done by the payment provider entity in the same way from the secure world. By providing the developer with a way to make sure its application is legit, it will not only reassure the end-user of the integrity of the transaction but also limit the risk for the developer to see a fraudulent transaction to go through. This can be done by creating a subset of functions from the mobile library of the payment provider entity to be leveraged to sign an application from a third party developer. The third party may take proper advantage of an application programming interface (API) from the payment provider and may provide its own user anti-spoofing/anti-phishing experience. 
         [0023]    At least two use cases apply. In an “In App Payment” use case, the payment provider may provide its library to a third party developer, such as a merchant. The application (for example the application  120 ) developed by the third party developer may contain the library from the payment provider, which embeds a string of code in its library that will be understood only by the secure world module (for example the secure applets  130  residing in the secure world  110 B) of the payment provider. If a spoof application is trying to mimic the legitimate application from a third party developer, it will fail at the launch of the payment module 
         [0024]    In an “In Flow Payment” user case, an application from a third party developer is in a stand alone mode, as well as the application from the third party payment provider. There is a handover from one application to the other at the time of payment. A validation mechanism may be stored in the secure world  110 B that would validate a call of that third party application to the payment provider application. 
         [0025]    As an example to illustrate the above use cases, suppose a merchant “Big Mart” develops a shopping application that is downloadable to a user&#39;s mobile device. “Big Mart” may be one of the partners of the payment provider entity. Thus, the payment provider entity may offer its library to “Big Mart.” The library has an embedded security mechanism, such as a key that can be matched to a counterpart key. In fact, the payment provider may assign a chain of different keys to a plurality of its partner developers. The payment provider keeps track of which key is assigned to which developer and may maintain that information in its downloadable application. 
         [0026]    A user of the payment provider downloads the application from the payment provider as well as the application from “Big Mart” on his mobile device. The user may make an online purchase using the application from “Big Mart.” At this time, the “Big Mart” application may ask the user for sensitive information such as his name, address, and/or credit card information. In traditional payment scenarios, the user may not know that the application from “Big Mart” is legitimate or can be trusted. Here, the “Big Mart” application can be authenticated and vetted by the secure applets residing on the secure world of the user&#39;s mobile device. In some embodiments, authentication may refer to the process of validating the legitimacy and/or the security of a particular application for itself, and vetting may refer to the process of validating the legitimacy and/or the security of a particular application to others. In other words, the vetting of a particular application means it can be trusted by everyone else. Returning to the example, the authentication and/or vetting of the “Big Mart” application may be performed by the secure applets of the payment provider residing in the secure world. Specifically, the “Big Mart” application submits its authentication or vetting credentials to the secure applets through the hooks. The authentication or vetting credentials may include the key given to the “Big Mart” application by the payment provider entity. The secure applets retrieve the key and tries to pairs it with a corresponding key stored within the secure world. If the key pairing is successful, then that means the “Big Mart” application is legitimate and can be trusted, thus the “Big Mart” application is authenticated and vetted. If the key pairing is unsuccessful, then that indicates the “Big Mart” application may be a fake one, and it will not be authenticated or vetted. 
         [0027]    In some embodiments, the authentication or vetting of the “Big Mart” application may be communicated to the user by a visual and/or audio representation on the mobile device. For example, the display screen of the mobile device may display a certain pattern to let the user known that the “Big Mart” application has been authenticated and vetted, and that the user may go ahead and provide the sensitive information to the “Big Mart” application without concerns of theft or data loss. 
         [0028]      FIG. 2  is a simplified high level architecture  200  that illustrates the various aspects of the present disclosure. The architecture  200  includes a payment provider  210 . The payment provider may be an entity as such PAYPAL, INC®. of San Jose, Calif. or another suitable financial institution capable of transferring funds to and from a user&#39;s account. The payment provider  210  has servers located remotely in a “cloud” and is configured to perform services such as mutual authentication enablement, post/pre-provisioning, remote enablement, over the air (OTA) services, or the like. 
         [0029]    The architecture  200  also includes a normal world  220 A and a secure world  220 B that run parallel to, but are isolated from, each other. A trustlet (a secure applet)  230  resides in the secure world  220 B. The trustlet  230  may be an application trusted by the payment provider  210  (for example, the trustlet  230  may be an application developed by the payment provider  210 ). The trustlet  230  can directly communicate with the payment provider  210 . An app  240  (which may include one or more applications) resides in the secure world  220 A. The app  240  communicates with external entities  250  that need secure operations to be performed, thus requiring a switch to the secure world  220 B. These secure operations may include credentials entry, secure ID, secure user interface, key access, or encryption/decryption services. 
         [0030]    A normal operating system  260  runs the normal world  220 A, and a secure operating system  270  runs the secure world. A secure monitor  280  serves as a default gateway between the normal world  220 A and the secure world  220 B. However, the operating system  260  is implemented to be capable of controlling and maintaining a “hook”  290  therein, and the operating system  270  is implemented to be capable of controlling and maintaining a “hook”  295 , where the hooks  290 - 295  can be used to establish communication with the secure world  220 B. In addition, the normal operating system  260  and the secure operating system  270  are implemented to be capable of using the same hooks  290 - 295  to talk back to applications from trusted application (e.g., the trustlet  230 ) residing in the secure world  220 B and establish trust/vetting for applications (e.g., app  240 ) residing in the normal world  220 A. Thus, an open flow exists between the normal world  220 A and the payment provider  210 . Stated differently, the communication is not blocked by the monitor  280 , and applets and applications can be managed from the “cloud”—i.e., the remote servers of the payment provider  210 . 
         [0031]    A TrustZone®-enabled ARM® core processor  300  is used to execute instructions for the normal operating system  260  and the secure operating system  270 . The TrustZone®-enabled ARM® core processor  300  contains a secure vault  310 . Private keys  320  and public keys  330  can both be stored in the secure vault  310 . Meanwhile, a private key  340  can be stored remotely in the servers of the payment provider  210  as well. These private and public keys may be used to perform authentication and/or vetting tasks, for example for the app  240 . 
         [0032]    It is understood that the high level architecture  200  described above is merely one of many example implementations of the concepts of the present disclosure. Other embodiments may have different implementation details without departing from the spirit and the scope of the present disclosure. 
         [0033]      FIG. 3  is a flowchart of a method  400  of performing authentication and vetting tasks according to the various aspects of the present disclosure. The method  400  includes a step  410 , in which an authentication request is received from an application that resides in a non-secure portion of an electronic chip. In some embodiments, the electronic chip includes a computer memory on a mobile electronic device. In other embodiments, the electronic chip includes a computer processor on a mobile electronic device. The authentication request contains credentials of the application. In some embodiments, the credentials include an authentication instrument assigned to a developer of the application. For example, the authentication instrument may include a key. 
         [0034]    The method  400  includes a step  420 , in which communication is performed with a secure applet that resides in a secure portion of the electronic chip. The secure portion is segregated from the non-secure portion. The communication includes transferring the credentials of the application to the secure applet. In some embodiments, the application is a software program from a third party developer, and the secure applets are a portion of a software program from a payment provider. In other embodiments, the application and the secure applets are both portions of a software program from a payment provider. The communication is also performed at least in part by at least partially bypassing a monitor that is configured as a gateway between the secure portion of the electronic chip and the non-secure portion of the electronic chip. 
         [0035]    The method  400  includes a step  430 , in which the application is authenticated and vetted based on the credentials of the application. In certain embodiments, the authenticating and the vetting are performed without accessing a remote server. 
         [0036]    It is understood that additional method steps may be performed before, during, or after the steps  410 - 430  discussed above. For the sake of simplicity, however, these additional steps are not specifically illustrated or discussed herein. 
         [0037]      FIG. 4  is a block diagram of a computer system  600  suitable for implementing various methods and devices described herein, for example, the various method steps of the method  400 . In various implementations, the devices capable of performing the steps may comprise a network communications device (e.g., mobile cellular phone, laptop, personal computer, tablet, etc.), a network computing device (e.g., a network server, a TrustZone®-enabled computer processor, an electronic communications interface, etc), or another suitable device. Accordingly, it should be appreciated that the devices capable of implementing the method  400  may be implemented as the computer system  600  in a manner as follows. 
         [0038]    In accordance with various embodiments of the present disclosure, the computer system  600 , such as a network server or a mobile communications device, includes a bus component  602  or other communication mechanisms for communicating information, which interconnects subsystems and components, such as a TrustZone®-enabled processing component  604  (e.g., processor, micro-controller, digital signal processor (DSP), etc.), system memory component  606  (e.g., RAM), static storage component  608  (e.g., ROM), disk drive component  610  (e.g., magnetic or optical), network interface component  612  (e.g., modem or Ethernet card), display component  614  (e.g., cathode ray tube (CRT) or liquid crystal display (LCD)), input component  616  (e.g., keyboard), cursor control component  618  (e.g., mouse or trackball), and image capture component  620  (e.g., analog or digital camera). In one implementation, disk drive component  610  may comprise a database having one or more disk drive components. 
         [0039]    In accordance with embodiments of the present disclosure, computer system  600  performs specific operations by the TrustZone®-enabled processor  604  executing one or more sequences of one or more instructions contained in system memory component  606 . Such instructions may be read into system memory component  606  from another computer readable medium, such as static storage component  608  or disk drive component  610 . In other embodiments, hard-wired circuitry may be used in place of (or in combination with) software instructions to implement the present disclosure. 
         [0040]    Logic may be encoded in a computer readable medium, which may refer to any medium that participates in providing instructions to TrustZone®-enabled processor  604  for execution. Such a medium may take many forms, including but not limited to, non-volatile media and volatile media. In one embodiment, the computer readable medium is non-transitory. In various implementations, non-volatile media includes optical or magnetic disks, such as disk drive component  610 , and volatile media includes dynamic memory, such as system memory component  606 . In one aspect, data and information related to execution instructions may be transmitted to computer system  600  via a transmission media, such as in the form of acoustic or light waves, including those generated during radio wave and infrared data communications. In various implementations, transmission media may include coaxial cables, copper wire, and fiber optics, including wires that comprise bus  602 . 
         [0041]    Some common forms of computer readable media includes, for example, floppy disk, flexible disk, hard disk, magnetic tape, any other magnetic medium, CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, RAM, PROM, EPROM, FLASH-EPROM, any other memory chip or cartridge, carrier wave, or any other medium from which a computer is adapted to read. 
         [0042]    In various embodiments of the present disclosure, execution of instruction sequences to practice the present disclosure may be performed by computer system  600 . In various other embodiments of the present disclosure, a plurality of computer systems  600  coupled by communication link  630  (e.g., a communications network, such as a LAN, WLAN, PTSN, and/or various other wired or wireless networks, including telecommunications, mobile, and cellular phone networks) may perform instruction sequences to practice the present disclosure in coordination with one another. 
         [0043]    Computer system  600  may transmit and receive messages, data, information and instructions, including one or more programs (i.e., application code) through communication link  630  and communication interface  612 . Received program code may be executed by TrustZone®-enabled processor  604  as received and/or stored in disk drive component  610  or some other non-volatile storage component for execution. 
         [0044]    Where applicable, various embodiments provided by the present disclosure may be implemented using hardware, software, or combinations of hardware and software. Also, where applicable, the various hardware components and/or software components set forth herein may be combined into composite components comprising software, hardware, and/or both without departing from the spirit of the present disclosure. Where applicable, the various hardware components and/or software components set forth herein may be separated into sub-components comprising software, hardware, or both without departing from the scope of the present disclosure. In addition, where applicable, it is contemplated that software components may be implemented as hardware components and vice-versa. 
         [0045]    Software, in accordance with the present disclosure, such as computer program code and/or data, may be stored on one or more computer readable mediums. It is also contemplated that software identified herein may be implemented using one or more general purpose or specific purpose computers and/or computer systems, networked and/or otherwise. Where applicable, the ordering of various steps described herein may be changed, combined into composite steps, and/or separated into sub-steps to provide features described herein. 
         [0046]    It should be appreciated that like reference numerals are used to identify like elements illustrated in one or more of the figures, wherein these labeled figures are for purposes of illustrating embodiments of the present disclosure and not for purposes of limiting the same. 
         [0047]    The foregoing disclosure is not intended to limit the present disclosure to the precise forms or particular fields of use disclosed. As such, it is contemplated that various alternate embodiments and/or modifications to the present disclosure, whether explicitly described or implied herein, are possible in light of the disclosure. Having thus described embodiments of the present disclosure, persons of ordinary skill in the art will recognize that changes may be made in form and detail without departing from the scope of the present disclosure. Thus, the present disclosure is limited only by the claims.