DUAL LAYER AUTHENTICATION FOR ELECTRONIC PAYMENT REQUEST IN ONLINE TRANSACTIONS
First Claim
1. A method for additional authorization of an electronic payment request, during a main authorization process of the electronic payment request for an online purchase by means of a browser, the browser running on a data processing system including proximity based transceiver means, the payment request being made with a payment card configured with details of at least one device in the possession of at least one owner of the card, the method comprising:
- suspending the main authorization process;
the proximity based transceiver means detecting the proximity of at least one portable device with whose details the payment card is configured;
upon detection of at least one portable device establishing a communication session between the data processing system and the detected portable device;
requesting a first code from the detected portable device;
comparing the first code with a predetermined second code;
resuming the main authorization process in the event the first code substantially matches the second code.
2 Assignments
0 Petitions
Accused Products
Abstract
Increasing the security of online payment requests by introducing a dual-layer authentication system for accessing the funds and/or credit through payment cards is described. An additional check regarding the identity of a card user to be included within a traditional security protocols for these cards, wherein the additional check is based on an authentication channel which is external to the user'"'"'s card. A device owned by the legitimate card owner certifies that the user of the card at any given instant is the legitimate owner of the card and not someone else. To process this additional information, a connection by means of a proximity based device is established.
25 Citations
16 Claims
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1. A method for additional authorization of an electronic payment request, during a main authorization process of the electronic payment request for an online purchase by means of a browser, the browser running on a data processing system including proximity based transceiver means, the payment request being made with a payment card configured with details of at least one device in the possession of at least one owner of the card, the method comprising:
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suspending the main authorization process; the proximity based transceiver means detecting the proximity of at least one portable device with whose details the payment card is configured; upon detection of at least one portable device establishing a communication session between the data processing system and the detected portable device; requesting a first code from the detected portable device; comparing the first code with a predetermined second code; resuming the main authorization process in the event the first code substantially matches the second code. - View Dependent Claims (4, 5, 6, 7, 8, 9)
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2-3. -3. (canceled)
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10. A computer program in a computer storage medium for performing a method of for additional authorization of an electronic payment request, during a main authorization process of the electronic payment request for an online purchase by means of a browser, the browser running on a data processing system including proximity based transceiver means, the payment request being made with a payment card configured with details of at least one portable device in the possession of at least one owner of the card, when the computer program is executed on a data processing system, the method comprising:
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suspending the main authorization process; the proximity based transceiver means detecting the proximity of at least one portable device with whose details the payment card is configured; upon detection of at least one portable device establishing a communication session between the data processing system and the detected portable device; requesting a first code from the detected portable device; comparing the first code with a predetermined second code; and resuming the main authorization process in the event the first code substantially matches the second code. - View Dependent Claims (13)
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11-12. -12. (canceled)
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14. A system for authenticating an electronic payment request, for additional authorization of an electronic payment request during a main authorization process of the electronic payment request for an online purchase, the payment request being made with a payment card configured with details of at least one portable device in the possession of at least one owner of the card, the system including:
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a browser for performing online shopping activities, wherein the main authorization process is suspended; a proximity based transceiver detecting the proximity of at least one portable device with whose details the payment card is configured; a communication system for establishing a communication session between the data processing system and the detected portable device, upon detection of at least one portable device; wherein the browser requests a first code from the detected portable device, compares the first code with a predetermined second code and resumes the main authorization process in the event the first code substantially matches the second code. - View Dependent Claims (15, 16)
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Specification