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Transaction amp; payment system securing remote authentication/validation of transactions from a transaction provider
Transaction amp; payment system securing remote authentication/validation of transactions from a transaction provider
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机译:交易和支付系统,可确保从交易提供商处进行交易的远程认证/验证
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摘要
A mobile terminal is equipped for SMS payment and service authentication with a remote transaction provider. The remote provider uses common secrets & a seed in a keyed Hash Machine Address Code (HMAC) executing a Message Digest Algorithm to generate a list of authentication token (username-password) for the purchase of services an/or goods. The common secrets and seed are shared with local redemption devices which also generate the list of authentication token. A subscriber conducts payment with the remote transaction provider and receives an authentication token corresponding to the purchased service. The subscriber provides the authentication token to the redemption device which compares the authentication token with sets of valid authentication tokens generated by the redemption terminal. If the comparison indicates a match, the redemption device provides the service to the subscriber.
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