System and method for secure transaction process via mobile device
First Claim
1. A system providing enhanced security for device based transactions, the system comprising:
- a server comprising a processor and a memory associated with a network address;
a first device comprising a first device processor and having an associated first device memory, said first device associated with a user, the first device memory storing instructions which when executed by the first device processor causes the first device processor to perform the steps of;
communicating with said server over a first communication channel, requesting a transaction via said server, andobtaining the server associated network address,wherein said first communication channel is established responsive to the obtained server associated network address;
a second device comprising a second device processor and having an associated second device memory, said second device associated with the user, the second device memory storing instructions which when executed by the second device processor causes the second device processor to perform the steps of communicating with said first device and receiving from said first device the obtained server associated network address; and
a mobile device server comprising a mobile device server processor and a mobile device server memory, the mobile device server memory storing instructions which when executed by the mobile device server processor causes the mobile device server processor to perform the steps of;
communicating with said second device over a second communication channel,communicating with said server over a third communication channel,inputting said received obtained server associated network address from said second device over said second communication channel,obtaining the server associated network address from a trusted source, andauthorizing a transaction only in the event that said input received obtained server associated network address is consonant with the server associated network address obtained from the trusted source.
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Accused Products
Abstract
A system providing enhanced security for device based transactions, constituted of: a server associated with a network address; a first device associated with a user, the first device in communication with the server over a first communication channel responsive to an obtained server network address; a second device associated with the user arranged to obtain the server network address from the first device; and a mobile device server in communication with the second device over a second communication channel, the mobile device server in communication with the server via a third communication channel, the mobile device server arranged to: obtain the server network address from the second device over the second communication channel; obtain the server network address from a trusted source; and authorize to the server over third communication channel a transaction only in the event that the server network addresses are consonant.
145 Citations
26 Claims
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1. A system providing enhanced security for device based transactions, the system comprising:
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a server comprising a processor and a memory associated with a network address; a first device comprising a first device processor and having an associated first device memory, said first device associated with a user, the first device memory storing instructions which when executed by the first device processor causes the first device processor to perform the steps of; communicating with said server over a first communication channel, requesting a transaction via said server, and obtaining the server associated network address, wherein said first communication channel is established responsive to the obtained server associated network address; a second device comprising a second device processor and having an associated second device memory, said second device associated with the user, the second device memory storing instructions which when executed by the second device processor causes the second device processor to perform the steps of communicating with said first device and receiving from said first device the obtained server associated network address; and a mobile device server comprising a mobile device server processor and a mobile device server memory, the mobile device server memory storing instructions which when executed by the mobile device server processor causes the mobile device server processor to perform the steps of; communicating with said second device over a second communication channel, communicating with said server over a third communication channel, inputting said received obtained server associated network address from said second device over said second communication channel, obtaining the server associated network address from a trusted source, and authorizing a transaction only in the event that said input received obtained server associated network address is consonant with the server associated network address obtained from the trusted source. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A system providing enhanced security for device based transactions, the system comprising:
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a server associated with a network address, said server comprising a server processor and an associated server memory; a first device comprising a first device processor and having an associated first device memory, said first device associated with a user, wherein the first device memory storing instructions which when executed by the first device processor causes the first device processor to perform the steps of; communicating with said server over a first communication channel, requesting a transaction via said server, and obtaining the server associated network address, wherein the communication over the first communication channel is established responsive to the obtained server associated network address; a second device comprising a second device processor and having an associated second device memory, said second device associated with the user, the second device memory storing instructions which when executed by the second device processor causes the second device processor to perform the steps of;
communicating with said first device and receiving from said first device the obtained server associated network address; anda mobile device server comprising a mobile device server processor and a mobile device server memory, the mobile device server memory storing instructions which when executed by the mobile device server processor causes the mobile device server processor to perform the steps of; communicating with said second device over a second communication channel, and communicating with said server via a third communication channel, at least one of said server associated memory and said mobile device server associated memory storing instructions which when executed by the respective one of the server processor and the mobile device server processor causes the respective one of the server processor and the mobile device server processor to perform the steps of; obtaining the server associated network address from a trusted source; inputting said received obtained server associated network address from said second device over said second communication channel; and authorizing a transaction only in the event that the input received obtained server associated network address is consonant with the server associated network address obtained from the trusted source.
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19. A method of providing enhanced security for device based transactions, the method comprising:
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providing a first user device; obtaining by the first user device a server associated network address; establishing communication between the first user device and the server responsive to the obtained server associated network address over a first communication channel; receiving by a mobile device server the obtained server associated network address from the first user device over a second communication channel, inputting by the mobile device server the obtained server associated network address over the second communication channel, obtaining by the mobile device server said server associated network address from a trusted source; comparing by the mobile device server the server associated network address obtained from the trusted source with the input obtained server associated network address; determining by the mobile device server that the server associated network address input over the said second communication channel is consonant with the server associated network address from the trusted source; and based on the determination, authorizing by the mobile device server a transaction associated with the server. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26)
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Specification