Patent ID: 8407112

Claim:
A transaction authorisation system for allowing a customer to authorise transactions relating to at least one customer account associated with an institution, the account including account identification data held at the institution the system comprising: a data storage for enabling access to stored data, the stored data including: (a) identification data associated with the customer; (b) identification data associated with a remote communication device (RCD) of the customer; and (c) security identifier data which is known only to the institution and the authorisation system, and differs from the account identification data held at the institution, the security identifier data associating the at least one customer account with either one or both of the identification data (a) and the identification data (b); means for communicating with the customer via the RCD to authorise a transaction on the at least one customer account or to indicate a transaction on the at least one customer account is fraudulent, the RCD being identified via the identification data stored in the data storage; means for identifying the customer using the identification data (a) stored in the data storage, identifying the RCD using the identification data (b) stored in the data storage, and determining if the transaction is authorised by the customer or if the transaction has been indicated as being fraudulent by the customer, and if said transaction is fraudulent, to determine the type of fraud associated with the fraudulent transaction; and means for communication with the data processing architecture for receiving an authorisation request in relation to the transaction and for communicating an indication to the institution of: (i) whether or not the transaction is authorised by the customer, and (ii) whether the transaction is indicated as being fraudulent by the customer, and if so, the type of fraud determined, wherein the authorisation request received and the indication provided to the institution are identified to each other using the security identifier data.