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MULTI-DIMENSIONAL AUTHENTICATION SYSTEM AND METHOD FOR CARDLESS BANKING TRANSACTIONS AND OTHER TRANSACTIONS INVOLVING HIGH-LEVEL SECURITY
MULTI-DIMENSIONAL AUTHENTICATION SYSTEM AND METHOD FOR CARDLESS BANKING TRANSACTIONS AND OTHER TRANSACTIONS INVOLVING HIGH-LEVEL SECURITY
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机译:涉及高级别安全性的无抵押银行交易和其他交易的多维认证系统和方法
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摘要
The present invention relates to a method that allows making GSM confirmed banking transactions (e.g., cardless POS transactions or ATM procedures) with GSM-SIM card integrated mobile devices or wearables without using a card; and it is also a system and method for entering places that require specific safety using a server and GSM backed authorization rather than using a key or a magnetic ID card. Invention takes password entry request from user, makes necessary checks in main server (100) and uses GSM network (200) for device verification. It also involves a 5 layer ID verification and transaction confirmation method; after ID (300), device (301 ) and application (302) verification, it logs in to a temporary session for requested transaction in a different server (102); available data (Figure 2; 102-a) that will be used for transaction in this temporary session, will be encrypted with a single-use random password (Figure 2, 102-b) in each session and will be available to be used in user's mobile device to be scanned by reader (400); and finally reader's (400) transaction request will be confirmed by user by entering the password.
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