Distributing tokens for token-based transactions

摘要

A mobile device (10) receives a first token part (TOK) via a first communications channel (31) and receives a second token part (RND) via a second communications channel (33). The mobile device (10) stores the first token part (TOK) and the second token part (RND) at the mobile device (10). The first token part (TOK) and the second token part (RND) are for use in a token-based transaction between the mobile device (10) and an external device (40). The first token part (TOK) and the second token part (RND) are required for the token-based transaction. The second token part (RND) can have a period of validity. The mobile device (10) can receive a plurality of second token parts (RND) at spaced apart times. The second communications channel (33) can be a channel requiring authentication of a secure element at the mobile device (10), such as a Short Message Service (SMS) channel.