Patent ID: 8577766
Filing Date: 2013-11-05
Classification: G06Q,H04L

Abstract:
1. A method of performing a secure transaction using non-secure communications, comprising: contacting a service provider by a customer to perform a transaction; wherein said contacting is performed either physically or virtually over a communication link using a communication device of the customer; sending a non-secure message by the service provider over a communication network using a communication device with details of the transaction to a transaction server; initiating a secure transaction at the transaction server; generating two one-time passwords at the transaction server; sending the first one-time password to the communication device of the customer and sending the second one-time password to the service provider's communication device; revealing the first one-time password to the service provider by the customer from the communication device of the customer; replying to the transaction server by the service provider with a message based on both one-time passwords; completing the transaction at the transaction server.