| 摘要 |
A cell-phone or other user-side electronic device provides a user-side time-dependent key that is accessed through use of an entry key and/or a different seed. A bank or other funding institution, or an intermediary, uses the user-side time-dependent key to either approve or deny a commercial transaction. Entry keys and seeds can independently be typed passcodes, but could alternatively or additionally comprise one or more of audio signals, a tactile signal, a biometric, and/or a visual. Entry keys and/or seeds could vary by at least one of identity of user, day, date, time of day, and amount of transaction.
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