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DUAL LAYER AUTHENTICATION FOR ELECTRONIC PAYMENT REQUEST IN ONLINE TRANSACTIONS

  • US 20120197803A1
  • Filed: 04/09/2012
  • Published: 08/02/2012
  • Est. Priority Date: 10/02/2008
  • Status: Active Grant
First Claim
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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:

  • 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.

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