Multifactor authentication system for "cash back" at the point of sale
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United States of America Patent
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N/A
Issued Date -
N/A
app pub date -
Sep 2, 2008
filing date -
Feb 14, 2007
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Systems and methods are provided to allow for multifactor authentication of customers seeking to enter into “cash back” transactions at a merchant's point of sale. In an illustrative implementation, a user presents a prepaid payment card at a point of sale and requests a “cash back” transaction, the merchant thereupon verifying the customer has sufficient value to complete the transaction. The merchant then requests an authentication code from the user who then requests the authentication code from an outside party. The authentication code is delivered to the customer's mobile phone via a text message. The customer offers the authentication code to the merchant, who then allows the transaction to proceed if the authentication code is confirmed.
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