G PHYSICS
G06 COMPUTING; CALCULATING OR COUNTING
G06Q INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
G06Q20/00 Payment architectures, schemes or protocols
G06Q20/38 Payment protocols; Details thereof
G06Q20/388 using mutual authentication without cards, e.g. challenge-response