The Jansson Firm
Method for authenticating transactions
The present invention generally relates to systems and methods for authenticating transactions through a simplex communication. To allow trusting the transaction with a payment by an image code such QR code, the invention proposes means to authenticate said transaction. For that, when the mobile payment application is loaded into preferably a secure element of the user mobile device a registration process is enabled. During this registration process on a server, an account of the user is created and a set of unpredictable numbers in quantity N is generated. This set of unpredictable numbers is transmitted to the mobile payment application for storage. The payment application uses the stored set of transaction unpredictable numbers for next N times transactions performed by the mobile payment application for transaction cryptogram calculation. The same transaction unpredictable number is recovered in the server side during the transaction authorization process.
Thales Dis France SA
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Yuexi
Chen