EPO published patent application EP4177810A1 for a mobile transaction authorization system developed by Bancontact Payconiq Company. The invention covers methods and devices for authorizing mobile transactions using authentication mechanisms including multi-factor verification, cryptographic protocols (H04L 9/08, H04L 9/32), and user verification techniques (G06F 21/31, G06F 21/32). The patent is classified under G06Q 20/40 and G06Q 20/38, covering payment transaction authorization specifically.

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