A method and system for transaction authorization based on a parallel autonomous channel multi-user and multi-factor authentication

A method and system for transaction authorization based on a parallel autonomous channel multi-user and multi-factor authentication

The invention discloses a system for authorizing electronic transactions using a form of a physical token possessing credentials of an account holder, wherein the system transmits a verification message to a terminal where this terminal is different from the one the electronic transaction is conduct...

Ausführliche Beschreibung

Gespeichert in:
Bibliographische Detailangaben
Hauptverfasser: SZOKE THOMAS, UMAROV MAXIM
Format: Patent
Sprache:chi ; eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC COMMUNICATION TECHNIQUE
ELECTRICITY
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION
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Beschreibung
Zusammenfassung:The invention discloses a system for authorizing electronic transactions using a form of a physical token possessing credentials of an account holder, wherein the system transmits a verification message to a terminal where this terminal is different from the one the electronic transaction is conducted on, and through this combination the system shall verify that the transaction is being conductedby the authorized owner of the token used. 本发明公开了种使用包含账户所有者凭证的物理令牌来授权电子交易的系统，在本发明中，系统向某与进行电子交易不同的终端发送身份验证信息，通过此综合响应信息来确认交易是由使用令牌的授权所有者执行的。