Rajandra Laxman Kulkarni,Philip Peter Treleaven,Adam Greenberg,Ram Ramgopal,Jonathan Stavis,Nayan Patel
申请号：
US14642147
公开号：
US10032168B2
申请日:
2015.03.09
申请国别(地区):
US
年份:
2018
代理人:
摘要：
Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.
