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System and Method for Enhancing Electronic Transactions

  • US 20120179558A1
  • Filed: 11/01/2011
  • Published: 07/12/2012
  • Est. Priority Date: 11/02/2010
  • Status: Abandoned Application
First Claim
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1. ) A system for enabling customized financial transactions by a consumer on a merchant website via an open architecture, comprising:

  • a) a user registration page for permitting a user to register information regarding financial accounts linked to the consumer;

    b) logically connected thereto, a security configuration page for enabling the user to provide authentication information for each financial account and to configure one or more personalized security filters associated with each registered financial account;

    c) logically connected thereto, an authentication server for storing the registered financial account information, authentication information and personalized security filters;

    d) logically connected thereto, a payment server capable ofi. authenticating the user with one or more of the registered financial accounts using the personalized security filters and authentication information provided by the user in response to a payment request;

    ii. processing one or more financial transaction(s) using one or more financial accounts linked to the user; and

    iii. generating a transaction ID to identify the customer and the associated financial transaction(s).

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