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COMMUNICATION METHOD AND SYSTEM

  • US 20110112965A1
  • Filed: 12/02/2010
  • Published: 05/12/2011
  • Est. Priority Date: 08/21/2001
  • Status: Active Grant
First Claim
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1. A method for authenticating a transaction between a user and a payment system, wherein the communication between the user, having a user terminal capable of sending and receiving messages, and the payment system is communicated through a secured communication, and the authentication of the transaction is communicated through a telecommunications network, the method comprising:

  • transmitting a payment request from a user to the payment system;

    sending an authentication request from a payment system to an authentication system through a communications network;

    preparing an authentication message to the user terminal;

    associating a reply address from a multiplicity of reply addresses, at which the authentication system is capable of receiving communications from the user, to the message;

    sending the authentication message to the user;

    receiving a reply message from the user'"'"'s sender address; and

    authenticating the transaction on the basis of the sender address and the reply address.

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