Method and Apparatus for Conducting Secure Financial and Informational Transactions via Portable Smart Devices

摘要

A technique for conducting secure financial and informational transactions via portable smart devices is disclosed, in which two transaction devices, e.g. an ATM and a smartphone or other smart connected device are both substantially simultaneously accessible by the user and are both independently connected with the account server by a secure connection between the transaction device for the ATM and a secure connection between the smartphone and a cellphone tower. Thus, authentication is provided by secure login on the two devices, i.e. the transaction device and the cellphone. Once the devices are both connected to the account server, handshaking between the two devices to confirm pairing of the right two devices is prompted, at which point, a transaction may proceed.

主权项

1. A method for conducting any of secure financial and informational transactions, comprising:
providing at least two independent transaction devices, wherein said transaction devices are substantially simultaneously accessible by a user; independently connecting each of said transaction devices to a common account server by a secure connection between each transaction device and said account server; receiving unique information for exchange between said at least two transaction devices to pair said at least two transaction devices, once said at least two transaction devices are connected to said account server; and once pairing is confirmed, conducting a transaction between said user and a third party on one of said transaction devices.