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1. 发明授权

US07600676B1 Two factor authentications for financial transactions 有权
标题翻译：金融交易的两个因素验证
公开(公告)号：US07600676B1
公开(公告)日：2009-10-13
申请号：US11644947
申请日：2006-12-26
申请人： Steven Roy Rados , Renato Delatorre , David Murray , Jess Germansky , Steven Werden , Hasan Dossal
发明人： Steven Roy Rados , Renato Delatorre , David Murray , Jess Germansky , Steven Werden , Hasan Dossal
IPC分类号： G06K5/00 , G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/40 , G06Q20/401 , G06Q40/02
摘要： The present invention relates to a method for authenticating financial transactions by using an additional factor which is not present on a physical card, and which is not used in sequential transactions. In one example, a purchaser provides card information to a merchant; the merchant transmits the card information and transaction information to an issuer; the issuer authenticates the card information, and transmits verification indicia to a target address associated with the card information. The purchaser target address may be the telephone number of a mobile telephone of the purchaser or a third party (e.g. parent). The purchaser or third party provides the verification indicia to a merchant; and the merchant transmits the verification indicia back to the issuer. The issuer authenticates that the received verification indicia relative to that sent to the target address, and thus the purchaser is the genuine or authentic person authorized to use card information; and the issuer approves the transaction.
摘要翻译：本发明涉及一种用于通过使用不存在于物理卡上并且不在顺序交易中使用的附加因素来认证金融交易的方法。在一个示例中，购买者向商家提供卡片信息; 商户将卡信息和交易信息发送给发行人; 发卡人认证卡信息，并将验证标记发送到与卡信息相关联的目标地址。购买者目标地址可以是购买者或第三方（例如，父母）的移动电话的电话号码。买方或第三方向商人提供验证标记; 并且商家将验证标记发送回发行者。发行人认证接收到的相对于发送到目标地址的验证标记，因此购买者是被授权使用卡信息的真实或真实的人; 发行人批准交易。

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