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AUTHENTICATION SYSTEM AND METHOD FOR SERVER-BASED PAYMENTS

  • US 20170017957A1
  • Filed: 07/17/2015
  • Published: 01/19/2017
  • Est. Priority Date: 07/17/2015
  • Status: Active Grant
First Claim
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1. A method of performing a payment transaction employing two-factor authentication, the method comprising:

  • engaging in cryptographic processing with a cryptographic function having a secret key encoded therein, the cryptographic function stored in a computing device, the secret key serving as a first authentication factor; and

    utilizing a second authentication factor in performing the payment transaction.

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