Customer identification and authentication procedure for online internet payments using mobile phone

摘要

This invention shows a mobile terminal device (3) having a memory unit (3a) and an interface device (3b) which is releasably connectable to a multiple partner system (7, 9, 15) and capable for a communication therein, wherein said communication is provided by a front-end formed by said mobile terminal device (3) in combination with a personal computer device (2) and a back-end formed by a partner of said multiple partner system via communication ways, said communication being suitable for performing data transactions with variant security requirements, such that complementary parts of, or parts within a distributed application, running within a multi partner system, are performed dependent on their current security requirements, wherein said communication is used to exchange information by using said communication ways of different and variant characteristics (4, 6, 12, 17, 13) by using different communication channels and different interface standards or protocols.