Transaction authentication
First Claim
1. A method of validating a payment transaction comprising the steps of transmitting through a communications network a request message from a vending node to a transaction authorisation function, said request message identifying a communications node identity, said transaction authentication function using said communications node identity to establish a communications session with said communications node and transmitting a notification message thereto, said notification message instructing a confirmation response, said transaction function determining from the confirmation response whether the transaction is valid and, if so, transmitting an authorisation message to said vending node.
1 Assignment
0 Petitions
Accused Products
Abstract
In a payment validation system, a mobile phone or other communications terminal associated with a particular user is used. A vending node communicates with a validation platform which either returns a telephone number to be displayed for the user to call or which calls the alleged users phone or terminal for confirmation.
-
Citations
9 Claims
- 1. A method of validating a payment transaction comprising the steps of transmitting through a communications network a request message from a vending node to a transaction authorisation function, said request message identifying a communications node identity, said transaction authentication function using said communications node identity to establish a communications session with said communications node and transmitting a notification message thereto, said notification message instructing a confirmation response, said transaction function determining from the confirmation response whether the transaction is valid and, if so, transmitting an authorisation message to said vending node.
- 2. A method of validating a payment transaction comprising the steps of transmitting through a communications network a request message from a vending node to a transaction authorisation function said request message identifying variable information displayed at said vending node, said transaction authorisation function monitoring a communications network node for receipt of a transaction confirmation message from communications apparatus and, on receipt of a transaction confirmation message determining whether the transaction is valid and, if so, transmitting an authorisation message to said vending node.
Specification