SECURE BANK TRANSACTIONS THROUGH CARDS BY COMBINATIONAL USE OF CELLULAR TELEPHONE AND SPECIAL SOFTWARE PROVIDING A SECOND-DEGREE IDENTIFICATION AND RETURN OF THE CLIENT'S BANK ACCOUNT TO THE PREVIOUSSTATE IN THE OCCURRENCE OF NON-AUTHORIZED TRANSACTION

摘要

Technical field: bank transactions characterised by the use of a card - additional userÆs identification by cellular phone. Proposed solution: combinational use of a suited software and a cellular phone this last being used for a second-degree identity confirmation and the return of the clientÆs account to the prior state (status quo ante), in the occurrence of non-authorized transactions.