发明名称 |
A METHOD OF CONDUCTING FINANCIAL TRANSACTIONS |
摘要 |
The invention provides a method of authenticating a user in a method of conducting real time transactions, said authentication method including requesting authentication by a user transmitting a USSD code from a handset to a server, transmitting one or more questions to the handset of the requester, transmitting answers provided by the user through the handset to an authentication server over a mobile communications network, weighting the questions, evaluating the answers, and determining whether the weighted score of the answers is above a minimum passmark before the authentication server authenticates the user for the transaction or rejects the request for authentication. The invention extends to a method of conducting on-line real time transactions using the above authentication method and to a payment system. |
申请公布号 |
WO2009073900(A2) |
申请公布日期 |
2009.06.11 |
申请号 |
WO2008ZA00120 |
申请日期 |
2008.12.02 |
申请人 |
SWAP CELLPHONE PAYMENT SYSTEM (PTY) LTD.;SMIT, JASON;VAN VUUREN, ELSABE |
发明人 |
SMIT, JASON;VAN VUUREN, ELSABE |
分类号 |
G06Q30/00 |
主分类号 |
G06Q30/00 |
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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