Multi-channel transaction signing
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United States of America Patent
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Apr 30, 2013
Grant Date -
N/A
app pub date -
Jun 22, 2010
filing date -
Feb 25, 2010
priority date (Note) -
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Abstract
A transaction system combats malware and phishing-based MitM attacks on transaction processing systems by using digital signatures to integrity-protect the user-verified transaction data. With this system, a user submits a transaction from a client device (e.g., desktop web browser) over a communications channel to a server device, such as a transaction server. Before accepting the transaction, the transaction server securely delivers all relevant transaction data to a second device (e.g., the signing device), such as a smart phone, in the possession of the user. The signing device has its own distinct communication channel with the server device. The user verifies the data and the signing device creates a digital signature value for the transaction. The user submits the signature to the transaction server to confirm the transaction with the transaction server.
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