System for securing card payment transactions using a mobile communication device
US8234172B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 2, 2008 |
| Grant date | Jul 31, 2012 |
| Priority date | — |
| Expiry date | Mar 22, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/08
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An authorization system and computer program for provision and process of a personal identification number (PIN) via a short-message-service (SMS) text message to a mobile communication device. The authorization system and computer program receive a communication from the user indicating a one-time-authorization mode. The authorization system and computer program retrieve information from a point-of-sales location and process a unique identifier for the mobile communication device. A text message is sent to the identified mobile device. The message communicates a one-time-use PIN with required PIN return via the point-of-sales system. The confirmation is processed, which authorization only occurring after confirmation. The PIN response period is voided after a short time, further improving security of the transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.