METHOD, SYSTEM AND APPARATUS FOR PROVIDING TRANSACTION VERIFICATION
First Claim
1. A method for providing transaction verification comprising:
- initiating an electronic transaction via by a first unit and a server in response to an initial user authentication;
during the electronic transaction, receiving from the server, by a second unit, a transaction confirmation request for the transaction and transaction information via a back channel based on the transaction;
providing through a user interface, by the second unit, the received transaction information for evaluation by a user of the second unit;
requesting by the second unit, in response to the transaction confirmation request, confirmation of the transaction by the user of the second unit;
generating, by the second unit, a transaction confirmation code based on the received transaction information in response to a transaction confirmation by the user of the second unit; and
sending the transaction confirmation code that is based on the received transaction information to the server for verification.
6 Assignments
0 Petitions
Accused Products
Abstract
A system and method provides electronic transaction verification using multiple different units. A first unit initiates an electronic transaction in response to user authentication affirmation by, for example, a server (such as a web server). After the user has been authenticated, another unit, such as a mobile device, receives a transaction confirmation request for the electronic transaction that is ongoing via the first unit. In addition, the second unit also receives from, for example, the server, transaction information based on the electronic transaction. The second device through a user interface and without requiring a user to enter transaction information, provides the received transaction information from the server for evaluation by a user of the second unit. The second unit requests from the user, in response to the transaction confirmation request, confirmation of the transaction. The second unit generates a transaction confirmation code based on the received transaction information if the transaction is confirmed by the user of the second unit and sends it to the server for verification by the server.
144 Citations
19 Claims
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1. A method for providing transaction verification comprising:
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initiating an electronic transaction via by a first unit and a server in response to an initial user authentication; during the electronic transaction, receiving from the server, by a second unit, a transaction confirmation request for the transaction and transaction information via a back channel based on the transaction; providing through a user interface, by the second unit, the received transaction information for evaluation by a user of the second unit; requesting by the second unit, in response to the transaction confirmation request, confirmation of the transaction by the user of the second unit; generating, by the second unit, a transaction confirmation code based on the received transaction information in response to a transaction confirmation by the user of the second unit; and sending the transaction confirmation code that is based on the received transaction information to the server for verification. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An electronic transaction system comprising:
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a server operative to provide a transaction session and communicate via a back channel with a second unit; a first unit operative to initiate an electronic transaction with the server in response to user authentication affirmation; the second unit operative to; receive during the transaction, a transaction confirmation request for the electronic transaction and transaction information based on the electronic transaction from the server provide through a user interface without user intervention, the received transaction information for evaluation by a user of the second unit request, in response to the transaction confirmation request, confirmation of the transaction by the user; generate a transaction confirmation code based on the received transaction information in response to a transaction confirmation by the user; and send the transaction confirmation code that is based on the received transaction information to the server for verification. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A wireless mobile device comprising:
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a wireless transceiver; one or more processors operatively coupled to the wireless transceiver; memory comprising executable instructions that when executed cause the one or more processors to; receive from the transceiver during the transaction, a transaction confirmation request for the electronic transaction and transaction information based on the electronic transaction from the web server provide through a user interface, the received transaction information for evaluation by a user of the mobile device request, in response to the transaction confirmation request, confirmation of the transaction by the user of the mobile device; generate a transaction confirmation code based on the received transaction information in response to a transaction confirmation by the user of the mobile device; and send, via the wireless transceiver, the transaction confirmation code that is based on the received transaction information to the web server for verification. - View Dependent Claims (15, 16, 17, 18, 19)
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Specification