A METHOD AND SYSTEM FOR TRANSACTION AUTHORIZATION BASD ON A PARALLEL AUTONOMOUS CHANNEL MULTI-USER AND MULTI-FACTOR AUTHENTICATION

A METHOD AND SYSTEM FOR TRANSACTION AUTHORIZATION BASD ON A PARALLEL AUTONOMOUS CHANNEL MULTI-USER AND MULTI-FACTOR AUTHENTICATION

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...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: SZOKE, Thomas, UMAROV, Maxim
Format: Patent
Sprache:eng ; fre
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: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 conducted by the authorized owner of the token used. L'invention concerne un système d'autorisation de transactions électroniques en utilisant une forme de jeton physique possédant des justificatifs d'identité d'un titulaire de compte. Le système transmet un message de vérification à un terminal, ledit terminal étant différent de celui sur lequel est menée la transaction électronique, et à travers cette combinaison le système doit vérifier que la transaction est effectuée par le propriétaire autorisé du jeton utilisé.