Communication method and system
First Claim
1. A method for an authentication system performing online authentication of an online transaction between a mobile phone, associated with a user, and a payment system, via communication messages between the mobile phone and the payment system, the authentication system including at least one processor and authentication software running on the at least one processor to cause the at least one processor to perform the method, wherein the method comprises:
- preparing a transaction authentication communication message for the transaction to be sent to the mobile phone over at least one telecommunication network;
randomly selecting a reply address from a multiplicity of reply addresses at which the online authentication system is capable of receiving reply communication messages from one or more mobile phones including the mobile phone;
associating the randomly selected reply address as a reply address for the transaction authentication communication message;
sending the transaction authentication communication message, including the randomly selected reply address, to the mobile phone over the at least one telecommunication network;
receiving a reply communication message from the mobile phone over the at least one telecommunication network at the randomly selected reply address, the reply communication message having a sender address that is the user'"'"'s subscriber number, Calling Line Identity (CLI), e-mail address or IP address associated with the mobile phone; and
authenticating the transaction based on contents of the reply communication message, the sender address and the randomly selected reply address at which the reply communication message from the mobile phone is received by the online authentication system.
13 Assignments
0 Petitions
Accused Products
Abstract
A method and system for authenticating a transaction between a user and a payment system are provided in which transaction information is transmitted through a secure communications from the user to the payment system, and the authentication message is sent from a payment system to the user via an authentication system. The authentication message is sent from the authentication system from one of multiplicity of addresses to the user, and the response to the message is received in that address. Additional security is achieved when the reply addresses are selected randomly.
68 Citations
17 Claims
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1. A method for an authentication system performing online authentication of an online transaction between a mobile phone, associated with a user, and a payment system, via communication messages between the mobile phone and the payment system, the authentication system including at least one processor and authentication software running on the at least one processor to cause the at least one processor to perform the method, wherein the method comprises:
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preparing a transaction authentication communication message for the transaction to be sent to the mobile phone over at least one telecommunication network; randomly selecting a reply address from a multiplicity of reply addresses at which the online authentication system is capable of receiving reply communication messages from one or more mobile phones including the mobile phone; associating the randomly selected reply address as a reply address for the transaction authentication communication message; sending the transaction authentication communication message, including the randomly selected reply address, to the mobile phone over the at least one telecommunication network; receiving a reply communication message from the mobile phone over the at least one telecommunication network at the randomly selected reply address, the reply communication message having a sender address that is the user'"'"'s subscriber number, Calling Line Identity (CLI), e-mail address or IP address associated with the mobile phone; and authenticating the transaction based on contents of the reply communication message, the sender address and the randomly selected reply address at which the reply communication message from the mobile phone is received by the online authentication system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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Specification