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Payment transaction processing using out of band authentication

  • US 8,898,762 B2
  • Filed: 07/02/2012
  • Issued: 11/25/2014
  • Est. Priority Date: 11/14/2008
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a mobile device storing a digital certificate, via a second communication channel, a request to approve a transaction, wherein the transaction is conducted by a consumer using a first communications channel, wherein an authentication request message is previously sent to the consumer by sending the authentication request to a first device coupled to the first communications channel, wherein data received from the first device is used to contact the consumer on the mobile device, and wherein the data that is used to contact the consumer on the mobile device is provided by the consumer; and

    transmitting, by the mobile device via the second communications channel, a payment confirmation message approving or denying the transaction, the payment confirmation message including a digital signature authenticating the consumer.

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