TRANSACTION AUTHENTICATION METHOD, SERVER AND SYSTEM USING TWO COMMUNICATION CHANNELS
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United States of America Patent
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Issued Date -
Jan 12, 2023
app pub date -
Dec 11, 2020
filing date -
Dec 11, 2020
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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.
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