SECURE NETWORKED TRANSACTION SYSTEM
First Claim
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1. A method of approving a transaction between a customer and a merchant comprising:
- transmitting a transaction request from a customer to a merchant;
transmitting a verification request from the merchant to a verification entity, the verification request comprising first data;
the customer transmitting second data to the verification entity; and
the verification entity performing a verification step by using the first data and the second data to verify if the transaction should be approved.
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Abstract
A method and system for approving a transaction between a customer and a merchant including the steps of transmitting a transaction request from a customer to a merchant; transmitting a verification request from the merchant to a verification entity, the verification request comprising first data; the customer device transmitting second data to the verification entity; and the verification entity performing a verification step by using the first data and the second data to verify if the transaction should be approved.
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Citations
130 Claims
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1. A method of approving a transaction between a customer and a merchant comprising:
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transmitting a transaction request from a customer to a merchant; transmitting a verification request from the merchant to a verification entity, the verification request comprising first data; the customer transmitting second data to the verification entity; and the verification entity performing a verification step by using the first data and the second data to verify if the transaction should be approved. - View Dependent Claims (114, 115, 116, 117, 118, 119, 120, 121, 122, 123, 124)
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2-113. -113. (canceled)
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125. A system for approving a transaction between a customer and a merchant comprising:
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a customer device; a merchant device; and a verification device;
whereinsaid customer device is adapted to transmit a transaction request to the merchant device and second data to the verification device; said merchant device is adapted to transmit a verification request comprising first data to the verification device; and said verification device is adapted to performing a verification step by using the first data and the second data to verify if the transaction should be approved. - View Dependent Claims (126, 127, 128, 129)
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130. A verification device for approving a transaction between a customer and a merchant comprising:
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means for receiving from a merchant device a verification request comprising first data; means for receiving second data from a customer device; and means for using the first data and the second data to verify if the transaction should be approved.
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Specification