METHOD AND SYSTEM FOR PERFORMING TWO-FACTOR AUTHENTICATION IN MAIL ORDER AND TELEPHONE ORDER TRANSACTIONS Russian patent published in 2011 - IPC G06F21/20 

FIELD: information technology.

SUBSTANCE: in the method, a merchant enters the following transaction card data into the mail order or telephone order (MOTO) merchant system: card number, authentication information, order data; card data are received through electronic mail or over the telephone; the merchant system sends to the server a request to verify registration, transaction card number, an indicator that cardholder information will not be sent to them upon request for registration verification; the merchant system receives from the server a response to the request, where it is indicated whether card number authentication is accessible; if so, the merchant system receives from the server an authentication offer without request for confidential information of the cardholder; the merchant system enters the authentication information of the holder into the authentication offer; using the system, the merchant sends the server an authentication request containing authentication information; an authentication response is received from the server in which it is indicated whether the cardholder is authenticated.

EFFECT: high security during transaction authentication.

26 cl, 4 dwg