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Method and system of securing a credit card payment

  • US 20050149435A1
  • Filed: 03/25/2003
  • Published: 07/07/2005
  • Est. Priority Date: 03/25/2002
  • Status: Abandoned Application
First Claim
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1. A method for secure credit card transactions between a holder and a merchant, particularly via a telecommunication network, by entering in an order form supplied by the merchant, during the payment phase of the transaction, temporary information consistent with the bank information from the card of the holder, this temporary information then being collected by an authorization center for the transaction in order to make a relational connection with the real bank information from the card of the holder for the acknowledgement of the order by the holder for the benefit of the merchant, characterized in that it comprises the steps in which:

  • the holder signifies to a third party his intention to enter into contact with the merchant before entering into contact with the merchant over the telecommunication network;

    the holder enters into contact with the merchant through the third party;

    the third party establishes a link between itself and the holder and between itself and the merchant;

    the third party manages the formation of temporary information, the entry of this information in the order form and the relational connection of the temporary information with the real bank information from the credit card of the holder to check the various authorizations with the banks for the acknowledgement of the order.

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