METHOD AND DEVICE FOR AUTHORIZING A TRANSACTION VIA VARIOUS CHANNELS

摘要

A first terminal and a second terminal can be coupled with the authorization device through a communication network. The transaction can be executed at one of the two terminals. The authorization can be initiated at one of the two terminals. If the execution of the transaction is denied because of a failed authorization, the authorization device generates data for transmission to one of the two terminals, wherein the data contain the transaction data and an instruction to initiate a second authorization process through a second transmission channel using one of the two terminals, wherein the transaction data are received by the authorization device through the second transmission channel, and wherein generating the data using the authorization device comprises determining the hardware characteristics of the first or the second terminal and adapting the data to the hardware characteristics.