System and method for secure telephone and computer...

G - Physics – 06 – K

Patent

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G06K 5/00 (2006.01)

Patent

CA 2554173

A secure electronic payment system and method for conducting a secure transaction (120) using authentication is provided. A merchant's computer (104) transmits an authorization request to an access control server (112). The access control (112) obtains authentication (130) to confirm the identity of the purchaser (102), via e.g., an electronic form or interactive voice response system. The access control server (112) then transmits a response to the merchant's computer. If the purchaser (102) is authorized to access the account, payment is processed by the merchant (104) and the transaction (102) is completed.

La présente invention se rapporte à un système et à un procédé de paiement électronique sécurisé permettant d'effectuer une transaction sécurisée au moyen d'une authentification. Un ordinateur de commerçant émet une demande d'autorisation à un serveur de commande d'accès. Ledit serveur de commande d'accès obtient l'authentification permettant de confirmer l'identité de l'acheteur, par exemple, par l'intermédiaire d'un formule électronique ou d'un système à réponse vocale interactif. Le serveur de commande d'accès émet ensuite une réponse à destination de l'ordinateur du commerçant. Si l'acheteur est autorisé à accéder aux comptes, le paiement est effectué par le commerçant et la transaction est menée à bien.

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