A LOW COST, SECURE, CONVENIENT, AND EFFICIENT WAY TO REDUCE THE RATE OF FRAUD IN FINANCIAL AND COMMUNICATION TRANSACTION SYSTEMS.

摘要

A low-cost, secure, reliable, convenient, and efficient way to reduce the rateof fraud bymeans of using additional PINs/passwords, which are dynamic PINs deliveredperiodically via different communications channels, defined by users, and withapredefined by the user periods; and an interface which allows to monitor andrestore thebreaches of security in the system in easy way.