A LOW COST, SECURE, CONVENIENT, AND EFFICIENT WAY TO REDUCE THE RATE OF FRAUD IN FINANCIAL AND COMMUNICATION TRANSACTION SYSTEMS

摘要

A low-cost, secure, reliable, convenient, and efficient way to reduce the ra te of fraud by means of using additional PINs/passwords, which are dynamic PINs delivered periodically via different channels, defined by users, with a changing pre- defined by the user periods.