Transaction authentication method, server and system using two communication channels
US12229772B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 11, 2020 |
| Grant date | Feb 18, 2025 |
| Priority date | — |
| Expiry date | Apr 1, 2041 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2463/102
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
A transaction method for a user using a first and a second terminal and connected to a server via a first and a second communication channel, respectively. The first terminal sends a transaction amount to the server. The server establishes a verification code whose length depends on the transaction amount, then sends a request to the first terminal and the verification code to the second terminal. The user returns the request filled in with a copied code to the server using the first terminal. The server compares the verification code with the copied code and sends a transaction validation or invalidation message to the first terminal depending on the comparison.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.