Transaction authentication method, server and system using two communication channels

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12229772
APP PUB NO 20230009385A1
SERIAL NO

17784861

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Abstract

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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.

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Patent Owner(s)

  • BANKS AND ACQUIRERS INTERNATIONAL HOLDING

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Beunardeau, Marc Paris, FR 6 3
Connolly, Aisling Paris, FR 2 1
Geraud, Rémi Paris, FR 7 8
Koudoussi, Hiba Paris, FR 8 34
Naccache, David Paris, FR 107 1195

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