Method and system for authorizing a transaction using a...

H - Electricity – 04 – L

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H04L 9/32 (2006.01) G06Q 20/00 (2006.01) G07F 7/10 (2006.01) H04L 9/14 (2006.01) H04L 9/30 (2006.01)

Patent

CA 2577333

A method and apparatus for conducting a secure transaction involving generation of a dynamic authentication code on a mobile device, based on secret data which does not identify an account. The authentication code and financial account identifying information are transmitted to a validating entity, which shares information about the secret data, to authorize the transaction.

La présente invention a trait à un procédé et un appareil pour la réalisation d'une transaction sécurisée comprenant la génération d'un code d'authentification dynamique sur un dispositif mobile, basé sur une donnée secrète qui n'identifie pas un compte. Le code d'authentification et l'information d'identification de compte financier sont transmis à une entité de validation, qui partage une information concernant la donnée secrète, pour l'autorisation de la transaction.

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