SYSTEM AND METHOD FOR AUTHENTICATION

1 . A mobile device comprising an application configured to perform authentication, and a touch-sensitive device operable to receive input by a user and to capture fingerprint data from said input, the mobile device adapted to:

obtain details for a transaction to be authenticated;

receive token data from a token presented by the user;

prompt the user to input authentication data associated with the token via the touch-sensitive device;

receive the authentication data and capture fingerprint data from the user's interaction with the touch-sensitive device to input the authentication data in response to the prompt;

transmit the authentication data and fingerprint data to an external authentication system;

receive an authentication result from the authentication system, dependent at least on the authentication data; and

complete or cancel the transaction dependent on the authentication result.

2 . The mobile device of claim 1 , wherein the authentication result is further dependent on the captured fingerprint data.

3 . The mobile device of claim 1 , wherein the touch-sensitive surface comprises a touch-sensitive display screen.

4 . The mobile device of claim 1 , wherein the token comprises a bank card.

5 . The mobile device of claim 1 , further comprising an image capture device that captures a digital image of the token.

6 . The mobile device of claim 5 , wherein the digital image is obtained using a camera integrated with the mobile device.

7 . The mobile device of claim 5 , wherein the authentication data comprises a security code displayed on the token.

8 . A method of processing a payment transaction using a mobile device, the mobile device including a merchant application configured to process a payment transaction, and a touch-sensitive device operable to receive input authentication data by a customer and simultaneously capture fingerprint data, the method comprising:

obtaining details for a transaction;

receiving payment token data from a payment token presented by the customer;

prompting the customer to input authentication data associated with the payment token via the touch-sensitive device;

receiving the authentication data and capture fingerprint data from the customer's interaction with the touch-sensitive device to input the authentication data in response to the prompt;

transmitting the authentication data and fingerprint data to a transaction authentication system;

receiving an authentication result from the authentication system, dependent at least on the authentication data; and

completing or cancelling the payment transaction dependent on the authentication result.

9 . The method of claim 8 , wherein the authentication result is further dependent on the captured fingerprint data.

10 . The method of claim 8 , wherein the touch-sensitive device comprises a touch-sensitive display screen.

11 . The method of claim 8 , wherein the payment token comprises a bank card.

12 . The method of claim 8 , wherein the merchant device includes a camera for capturing the payment token data via a digital image of the payment token.

13 . The method of claim 12 , wherein the authentication data comprises a security code displayed on the payment token.

14 . The method of claim 8 , wherein the merchant device comprises a mobile device.