Methods and systems for verifying transactions
AssigneeiSignthis Ltd
InventorNickolas John Karantzis
Life of this patent
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Abstract
An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255).
Claims44
A computer-implemented method for authenticating identity of a person, when executed by a processor, causing the processor to perform the steps of:
- receiving a request to process a single electronic transaction for a predetermined amount of money, said request comprising data identifying a particular financial instrument;
- dividing the predetermined amount into a plurality of charges;
- causing said financial instrument to be debited with each of said plurality of charges;
- receiving information relating to said plurality of charges from an originator of said request;
- and
- authenticating said identity of said person only if said information is correct.
A computer system for authenticating identity of a person, said computer system comprising:
- a memory for storing data and program instructions;
- and
- at least one processor coupled to said memory, said at least one processor programmed to:
- receive a request to process a single electronic transaction for a predetermined amount of money, said request comprising data identifying a particular financial instrument;
- divide the predetermined amount into a plurality of charges;
- cause said financial instrument to be debited with each of said plurality of charges;
- receive information relating to said plurality of charges from an originator of said request;
- and
- authenticate said identity of said person only if said information is correct.
A non-transitory computer readable storage medium storing therein instructions that when performed by a processor to authenticate identity of a person, cause a computer to:
- receive a request to process a single electronic transaction for a predetermined amount of money, said request comprising data identifying a particular financial instrument;
- divide the predetermined amount into a plurality of charges;
- cause said financial instrument to be debited with each of said plurality of charges;
- receive information relating to said plurality of charges from an originator of said request;
- and
- authenticate said identity said person only if said information is correct.
A computer-implemented method for authenticating identity of a person, when executed by a processor, causing the processor to perform the steps of:
- receiving a request to authenticate said identity of said person by a single electronic transaction for a predetermined amount of money;
- dividing said predetermined amount into a plurality of charges;
- providing said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
- receiving information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
- and
- authenticating said identity of said person only if said received information is correct.
A computer system for authenticating identity of a person, said computer system comprising:
- a memory for storing data and program instructions;
- and
- at least one processor coupled to said memory, said at least one processor programmed to:
- receive a request to authenticate said identity of said person by a single electronic transaction for a predetermined amount of money;
- divide said predetermined amount into a plurality of charges;
- provide said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
- receive information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
- and
- authenticate said identity of said person only if said received information is correct.
A non-transitory computer readable storage medium storing therein instructions that when performed by a processor to authenticate identity of a person, cause a computer to:
- receive a request to authenticate said identity of said person by a single electronic transaction for a predetermined amount of money;
- divide said predetermined amount into a plurality of charges;
- provide said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
- receive information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
- and
- authenticate said identity of said person only if said received information is correct.
Dependencies are inferred from the claim text.