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SYSTEM IMPLEMENTATION multi-factor strong authentication cardholders with mobile phones in the mobile communication environment IN interbank financial transactions in international payment systems, PROTOCOL SPECIFICATION 3-D SECURE
SYSTEM IMPLEMENTATION multi-factor strong authentication cardholders with mobile phones in the mobile communication environment IN interbank financial transactions in international payment systems, PROTOCOL SPECIFICATION 3-D SECURE
The invention relates to the means for personal identification of customers during the transaction, including payment, using mobile networks. In particular, the utility model can be used for authentication during payment by credit card using mobile phone. Summary of the utility model is that the implementation Interbank Financial transactions in international payment system, protocol 3-D Secure specification are sequentially performed four phases transaction condition multifactorial strict authentication of the client using a mobile phone in a mobile communication environment 1 - initiation of operation; 2 - the generation and delivery of the authentication request; 3 - the generation and delivery of the response to the authentication request; 4 - operation, the generation and delivery of the notice of the results of operations. At each phase of the transmit signal messages between system participants, through information technology tools participants in the system, using the components 3-D Secure specification.; The technical result of the use of the claimed method and system is the convenience and ease of customers of mobile (cellular) networks of financial transactions with a guarantee of confidentiality of the operations. The claimed method and system of financial transactions using a mobile phone designed as a complement to the system running on the protocol 3-D Secure, and allow the use of existing systems, which significantly reduces the cost of its construction. Implementation of the transaction in accordance with the proposed system is possible using the existing mobile networks (cellular) communication without the use of additional equipment cellular operator. The system can be used not only for carrying out payment transactions, but in other cases when it is required to make strong authentication.
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