FIELD: radio engineering, communication.
SUBSTANCE: invention relates to token-based means of authenticating a transaction. An issuer, merchants and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are only used to identify a particular authentication thread that a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.
EFFECT: improved security in an authentication channel.
20 cl, 5 dwg
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