METHOD, SYSTEM AND SECURE SERVER FOR MULTI-FACTOR TRANSACTION AUTHENTICATION

摘要

A method of providing multi-factor payment authentication system in which a customer transaction by a first communication channel is authenticated by a unique confirmation through a second communication channel of differing protocol to the first channel. In one embodiment, the second channel is an SMS or USSD channel and the unique confirmation is sent by the customer in response to an SMS message or USSD session received on his mobile device. The method can be adopted as a security enhancement to 3-D SecureTM or similar authentication protocols.