Online debit cardless debit transaction system and method

Details Online debit cardless debit transaction system and method Online debit cardless debit transaction system and method

G - Physics

06

Q

G06Q 20/10 (2012.01)

Patent

CA 2541283

Discloses a payment transfer system used to transfer funds from a payer to a payee using an online payment processor gateway. The payment processor gateway is accessible by a payer over the internet from a merchant web site or by telephone contact using mobile SMS messaging or mobile, POTS or VoIP interactive voice response. The payer is authenticated to use the system by a challenge response process. The challenge response process may include a user identifier such as a card number and related password or PIN or the challenge response may include a scanned biometric parameter such as a fingerprint or retinal scan.

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