IP3 2023 – Financial Services (LOT 11432)

This lot is generally related to secure financial transactions. Disclosed is a technique to improve security while performing a financial transaction. The system accesses a stored authorization code from a user device and an electronic authorization code from a different user device and provides the codes to a merchant who evaluates the relation between the two. The merchant provides transaction authorization after successful evaluation and completes the requested transaction. The technology may be implemented for secure financial transactions, merchant transactions, online transactions, retail services, banking services, eCommerce services, etc.