| 主权项 |
1. A method for improving the security of a credit card transaction based on the use of an identification card having card data thereon, the method comprising:
choosing issuer secondary security data from a credit card user's secondary ID document, said secondary ID document selected from the group of: driver's licenses, passports, birth certificates, credit cards, debit cards, gift cards, airline tickets, or identification cards; storing and encrypting the issuer secondary security data in association with a credit card user's account information; transmitting a transaction approval request from a vendor to the issuer, the transaction approval request comprising credit card data, the credit card data comprising the credit card user's account information, whereby, receipt of the credit card data by the issuer prompts the credit card user to provide transaction secondary security data stored on a smart card, magstrip, bar code, RFID or combination thereof; transmitting the transaction secondary security data from the credit card user's secondary ID document to the issuer; comparing the credit card data with the credit card user's account information; comparing the transaction secondary security data transmitted to the issuer secondary security data, the issuer secondary security data having been previously stored and encrypted in association with the credit card user's account information; and refusing the transaction if the transaction secondary security data does not correspond to the issuer secondary security data stored in association with the credit card user's account information, and allowing the transaction if the transaction secondary security data does correspond to the issuer secondary security date stored in association with the credit card user's account information. |
