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Customer authentication using Personal TAN (transaction number) generator in payment scenarios (online and point-of-sale) and bank transactions (ATMs, counter transactions, online transactions) Disclosure Number: IPCOM000018435D
Original Publication Date: 2002-Jun-01
Included in the Prior Art Database: 2003-Jul-23

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Andrew Turk [+details]


When consumers make (cashless) payments using electronic means (e.g. Credit card, paying for products or services in the Internet) they need to be authenticated. That applies to bank transactions (e.g. withdrawing money from a cash machine, online banking) where the customer is not recognised per- sonally, too. So far customers have been authenticated by their hand-written signature or by entry of a secret per- sonal identification number (PIN). In online banking scenarios (in some countries) customers are addition- ally identified by entry of a transaction number (TAN), taken from a TAN list, supplied in advance by the bank. To increase the level of security the banking industry has recently introduced a system known as SET (secure electronic transaction), in which a digital certificate is stored on the customer’s PC. The most modern authentication systems use an authentication loop using a mobile telephone: