发明名称 |
System and method for completing a secure financial transaction using a wireless communications device |
摘要 |
A system and method for completing a financial transaction using a wireless communication device is provided. A transaction authorization request is sent from the device to an issuer using SMS. An authentication message is sent from the issuer to the device, and a response is sent by a user of the device to confirm the identity of the user. Once the identity of the user is verified, a surrogate account number, in a bar code format, is sent to the mobile communication device to be read by a POS device to complete the financial transaction. A computer program product enabling the systems and methods described is also provided.
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申请公布号 |
US7909243(B2) |
申请公布日期 |
2011.03.22 |
申请号 |
US20070862686 |
申请日期 |
2007.09.27 |
申请人 |
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,INC. |
发明人 |
MERKOW MARK;PETRONE JAMES |
分类号 |
G06Q40/00;G06K5/00;G06K7/00;G06K7/10;G06Q20/00;G07D11/00;G07F19/00 |
主分类号 |
G06Q40/00 |
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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