Securing a transaction

1. A computer-implemented method for securing a transaction between a purchaser and a merchant, said method comprising:

receiving, by a processor of a control agent, an original payment request associated with the transaction between the purchaser and the merchant and a predetermined amount of the transaction;

splitting, by the processor of the control agent, the predetermined amount associated with the transaction into a plurality of sub-charges associated with the transaction by using a random number generation function to randomize how the plurality of sub-charges are formed from the predetermined amount;

generating an assembly sequence by: i) generating one or more sub-components by determining one or more string data values from one or more corresponding numerical data values of the sub-charges; and ii) processing, using an assembly key, the sub-components to form the assembly sequence as an ordered arrangement of a determined number of the one or more sub-components in accordance with an order of sub-component arrangement defined by the assembly key;

determining, by the processor of the control agent, a one-time password using the generated assembly sequence;

receiving identification information of a target device associated with goods and/or services purchased by the transaction;

transmitting, by the control agent, the one-time password to the target device over a network based on the identification information;

providing, by the control agent, the plurality of sub-charges to the merchant;

sending, by the merchant, a plurality of sub-payment requests corresponding to the plurality of sub-charges to a purchaser's financial institution via a payment service provider via a plurality of electronic messages associated with an original payment request;

transmitting the assembly key, by the processor of the control agent, to an electronic address of the purchaser of the transaction; and

in response to the purchaser accessing the plurality of sub-charges via the purchaser's financial institution and generating the one-time password based on the assembly key and the plurality of sub-charges accessed via the purchaser's financial institution:

authenticating the purchaser as an authorized user of a financial instrument used to make the purchase of the transaction; and

allowing the purchaser access to the target device.

2. The computer-implemented method for securing a transaction according to claim 1 , wherein determining the password based on the plurality of sub-charges comprises performing a mathematical transformation on the sequenced plurality of sub-charges to determine the password.

3. The computer-implemented method for securing a transaction according to claim 1 , wherein determining the password based on the plurality of sub-charges comprises performing a mathematical transformation on the plurality of sub-charges to determine the password.

4. The computer-implemented method for securing a transaction according to claim 1 , wherein the sum of the plurality of sub-charges is substantially equal to a charge amount of the transaction.

5. The computer-implemented method for securing a transaction according to claim 4 , further comprising making a plurality of sub-payments corresponding to the plurality of sub-charges.

6. The computer-implemented method for securing a transaction according to claim 4 , further comprising:

receiving a further plurality of sub-charges; and

making a plurality of sub-payments corresponding to the plurality of sub-charges if the further plurality of sub-charges are the same as the plurality of sub-charges.

7. The computer-implemented method for securing a transaction according to claim 1 , wherein said method further comprises sending the password to an access facility.

8. The computer-implemented method according to claim 1 , wherein the method further comprises:

receiving a further password; and

authenticating the completion of the transaction if the further password matches the determined password.

9. The computer-implemented method for securing a transaction according to claim 1 , wherein the method comprises:

storing the password;

receiving a further password; and

authenticating the completion of the electronic transaction if the further password matches the stored password.

10. The computer-implemented method of claim 9 , wherein completion of the transaction comprises allowing access to the goods and/or services purchased by the transaction.

11. The computer-implemented method for securing a transaction according to claim 1 , wherein the purchaser accesses the plurality of sub-charges through one or more existing secure network protocols and devices of the purchaser's financial institution, and wherein the transmitting the assembly key to the electronic address of the purchaser is via a non-secure channel.

12. A non-transitory, computer-readable medium, including computer-executable instructions stored thereon that, when executed by a processor of a control agent, causes the processor to:

receive an original payment request associated with the transaction between the purchaser and the merchant and a predetermined amount of the transaction;

split the predetermined amount associated with the transaction into a plurality of sub-charges associated with the transaction by using a random number generation function to randomize how the plurality of sub-charges are formed from the predetermined amount;

generate an assembly sequence by: i) generating one or more sub-components by determining one or more string data values from one or more corresponding numerical data values of the sub-charges; and ii) processing, using an assembly key, the sub-components to form the assembly sequence as an ordered arrangement of a determined number of the one or more sub-components in accordance with an order of sub-component arrangement defined by the assembly key;

determine a one-time password using the generated assembly sequence;

receive identification information of a target device associated with goods and/or services purchased by the transaction;

transmit the one-time password to the target device over a network based on the identification information;

provide the plurality of sub-charges to a merchant, the merchant sending a plurality of sub-payment requests corresponding to the plurality of sub-charges to a purchaser's financial institution via a plurality of electronic messages associated with an original payment request;

transmit the assembly key to an electronic address of the purchaser of the transaction; and

in response to the purchaser accessing the plurality of sub-charges via the purchaser's financial institution and generating the one-time password based on the assembly key and the plurality of sub-charges accessed via the purchaser's financial institution:

authenticate the purchaser as an authorized user of a financial instrument used to make the purchase of the transaction; and

allow the purchaser access to the target device.

13. The non-transitory, computer-readable medium according to claim 12 , wherein completion of the transaction comprises allowing access to the goods and/or services purchased by the transaction.

14. The non-transitory, computer-readable medium according to claim 12 , wherein the purchaser accesses the plurality of sub-charges through one or more existing secure network protocols and devices of the purchaser's financial institution, and wherein the transmitting the assembly key to the electronic address of the purchaser is via a non-secure channel.

15. A computer system for securing a transaction between a purchaser and a merchant, the computer system comprising:

a processor of a control agent that comprises:

a sub-charge determination unit to:

receive an original payment request associated with the transaction between the purchaser and the merchant and a predetermined amount of the transaction;

split the predetermined amount associated with the transaction into a plurality of sub-charges associated with the transaction by using a random number generation function to randomize how the plurality of sub-charges are formed from the predetermined amount;

an assembly key unit to generate, based on an assembly key, an assembly sequence by: i) generating one or more sub-components by determining one or more string data values from one or more corresponding numerical data values of the sub-charges; and ii) processing, using an assembly key, the sub-components to form the assembly sequence as an ordered arrangement of a determined number of the one or more sub-components in accordance with an order of sub-component arrangement defined by the assembly key; and

a password determination unit to determine a one-time password using the generated assembly sequence; and

a communication port in communication with the processor, wherein the processor is adapted to:

receive identification information of a target device associated with goods and/or services purchased by the transaction;

transmit the one-time password to the target device over a network based on the identification information;

provide the plurality of sub-charges to the merchant, the merchant sending a plurality of sub-payment requests corresponding to the plurality of sub-charges to the purchaser's financial institution via a plurality of electronic messages associated with an original payment request;

transmit the assembly key via the communication port to an electronic address of a purchaser of the transaction; and

in response to the purchaser accessing the plurality of sub-charges via the purchaser's financial institution and generating the one-time password based on the assembly key and the plurality of sub-charges accessed via the purchaser's financial institution the computer system:

authenticates the purchaser as an authorized user of a financial instrument used to make the purchase of the transaction; and

allows the purchaser access to the target device.

16. The computer system for securing a transaction according to claim 15 , wherein the processor is further adapted to send the password to an access facility via the communication port.

17. The computer system for securing a transaction according to claim 15 , the computer system comprising:

a datastore to store the password;

a communication port to receive a further password; and

a processor to authenticate the completion of the transaction if the further password matches the stored password.

18. The computer system for securing a transaction according to claim 15 , wherein completion of the transaction comprises allowing access to the goods and/or services purchased by the transaction.

19. The computer system for securing a transaction according to claim 15 , wherein the purchaser accesses the plurality of sub-charges through one or more existing secure network protocols and devices of the purchaser's financial institution, and wherein the transmitting the assembly key to the electronic address of the purchaser is via a non-secure channel.