Patent ID: 9183549
Filing Date: 2015-11-10
Classification: G06Q,G07F

Abstract:
1. A method of authenticating a debit card payment transaction, comprising: receiving, by one or more processors of an adaptive payment server, a debit card number associated with the debit card payment transaction from a first communication device over a first communication channel; generating, by the adaptive payment server, a transaction identifier that uniquely identifies the debit card payment transaction; communicating, by the adaptive payment server, the transaction identifier to the first communication device over the first communication channel; identifying, by the adaptive payment server, a second communication device based on the debit card number; initiating, by the adaptive payment server, a second communication channel with the second communication device, wherein the first communication channel is different from the second communication channel; communicating, by the adaptive payment server, the transaction identifier to the second communication device over the initiated second communication channel; receiving, by the adaptive payment server, a Personal Identification Number (PIN) associated with the debit card number from the second communication device over the second communication channel; and authenticating, by the adaptive payment server, the debit card payment transaction using the debit card number and the PIN.