发明名称 |
Transaction authentication over independent network |
摘要 |
A method of authenticating an online transaction over a first network uses 2-factor authentication of the user to defeat hacker attacks. A communication device is registered for use with the method. The communication device is configured to receive messages over a second network independent of the first network. The user is authenticated over the first network using a first factor, such as a username and password, and then initiates the transaction. A request to execute the transaction is received and a one-time password is obtained to be used as a second factor of authentication. The one-time password and details describing the transaction are sent to the communication device over the second network. The one-time password is received from the user over the first network to complete the second factor of authentication.
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申请公布号 |
US2009106138(A1) |
申请公布日期 |
2009.04.23 |
申请号 |
US20080288660 |
申请日期 |
2008.10.22 |
申请人 |
SMITH STEVEN E;DAVIS TERRY L |
发明人 |
SMITH STEVEN E.;DAVIS TERRY L. |
分类号 |
G06Q20/00 |
主分类号 |
G06Q20/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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