发明名称 |
System for securing card payment transactions using a mobile communication device |
摘要 |
An authorization system and computer program for provision and process of a personal identification number (PIN) via a short-message-service (SMS) text message to a mobile communication device. The authorization system and computer program receive a communication from the user indicating a one-time-authorization mode. The authorization system and computer program retrieve information from a point-of-sales location and process a unique identifier for the mobile communication device. A text message is sent to the identified mobile device. The message communicates a one-time-use PIN with required PIN return via the point-of-sales system. The confirmation is processed, which authorization only occurring after confirmation. The PIN response period is voided after a short time, further improving security of the transaction. |
申请公布号 |
US8234172(B2) |
申请公布日期 |
2012.07.31 |
申请号 |
US20080326132 |
申请日期 |
2008.12.02 |
申请人 |
HAGALE ANTHONY RICHARD;ROZICH RYAN;INTERNATIONAL BUSINESS MACHINES CORPORATION |
发明人 |
HAGALE ANTHONY RICHARD;ROZICH RYAN |
分类号 |
G06Q20/00 |
主分类号 |
G06Q20/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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