Importance

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Abstract

A transaction processing system for enabling users to authorize transactions, comprising:

• • at least a first data communications interface and a second data communications interface;
  • a data receiver arranged to receive transaction data, relating to a transaction to be authorized by a user, via a first data communication path, at said first data communications interface;
  • a communications controller arranged to conduct communications over a second data communication path, different from said first data communication path, with said user at said second data communications interface;
  • a data authentication system arranged to conduct a secure access procedure, via said second path, in which authentication data is received and said authentication data is verified,
  • wherein the communications controller is arranged to receive:
    • a first transaction reference relating to said transaction from said user, said first transaction reference not having been previously transmitted to said user via said second communication path; and
    • confirmation from said user via said second path,
  • wherein said transaction processing system is adapted for generating a second transaction, wherein said second transaction reference is different from said first transaction reference received from said user, and
  • wherein the transaction processing system comprises a signal transmitter arranged to transmit a signal including said second transaction reference to authorize said transaction, in response to said confirmation.

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First Claim