Abstract: A transaction authorization system allows a customer to authorize transactions relating to at least one account associated with an institution. Data storage means enable access to customer identification data, a customer's remote communication device (RCD), and security identifier data associating the account with the identification data. Communication means receive an authorization request, referenced to the security identifier data, relating to the transaction and enable communication with the customer via the RCD to authorize a transaction or to indicate that a transaction is fraudulent. Data processing means identify the customer and RCD using the identification data and determine if the transaction is authorized, or has been indicated as being fraudulent, and if the transaction is fraudulent, to determine the type of fraud. The communication means provide an indication, referenced to the security identifier data, to the institution of whether the transaction is authorized.

Abstract: A transaction authorisation system for allowing a customer to authorise transactions relating to an institution account, the system including a data storage for enabling access to identification data associated with the customer and a remote communication device (RCD) of the customer, and security identifier data associating the customer account with the identification data. The system also includes a communication device for receiving an authorisation request, which is referenced to the security identifier data, in relation to the transaction from the institution and for enabling communication with the customer via the RCD to authorise a transaction on the customer account. A system data processor identifies the customer and RCD using the identification data and determines if the transaction is authorised by the customer. The communication device provides an indication, which is referenced to the security identifier data, to the institution of whether or not the transaction is authorised by the customer.

Abstract: A transaction authorisation system allows a customer to authorise transactions relating to at least one account associated with an institution. Data storage means enable access to customer identification data, a customer's remote communication device (RCD), and security identifier data associating the account with the identification data. Communication means receive an authorisation request, referenced to the security identifier data, relating to the transaction and enable communication with the customer via the RCD to authorise a transaction or to indicate that a transaction is fraudulent. Data processing means identify the customer and RCD using the identification data and determine if the transaction is authorised, or has been indicated as being fraudulent, and if the transaction is fraudulent, to determine the type of fraud. The communication means provide an indication, referenced to the security identifier data, to the institution of whether the transaction is authorised.