Ingenico Group

Banks and Acquirers International Holding

Aisling Connolly

David Naccache

Marc Beunardeau

Remi Geraud

Hiba Koudoussi

Rémi Geraud

A transaction method for a user using a first and a second terminal and connected to a server via a first and a second communication channel, respectively. The first terminal sends a transaction amount to the server. The server establishes a verification code whose length depends on the transaction amount, then sends a request to the first terminal and the verification code to the second terminal. The user returns the request filled in with a copied code to the server using the first terminal. The server compares the verification code with the copied code and sends a transaction validation or invalidation message to the first terminal depending on the comparison.

Transaction authentication method, server and system using two communication channels

A method of encryption of a message implemented by an electronic encryption device. The method includes: obtaining a current message; obtaining a current encryption key; determining, from a plurality of variants a basic encryption protocol, of a current variant of the encryption protocol; encrypting, by using the current variant and the encryption key, the message to be encrypted, delivering an encrypted message; and transmitting the encrypted key.

Method of encryption, method of decryption, corresponding computer device and program

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Paris, France

Aisling Connolly