FIELD: information technology.
SUBSTANCE: method involves receiving an authorisation request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorisation response message is sent to the consumer. The authorisation response message indicates whether or not the transaction is authorised.
EFFECT: high reliability of consumer authentication.
15 cl, 7 dwg
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