| 摘要 |
THIS Invention relates to a system and- method for conducting secure credit, debit and retail card transactions. More specifically, the invention relates to a system and method for combatting fraudulent card transactions. The system Includes a. transactions card having a card identifier number, a telecommunications network through which a user and a service provider are capable of operatively communicating., a service provider database for storing at least the card identifier number against a corresponding authentication pin number, a USSD protocol through which the user is operatively capable of securely communicating with the service provider through a USSD gateway and a mobile telecommunications device for enabling the user communications. The mobile telecommunications device comprises means for operatively enabling the user to dial a USSD string for Initiating communication between the user and the service provider through the USSD protocol via the telecommunications network; operatively enabling the user to Input the authentication pin number, wherein the service provider database is in use interrogated with the inputted authentication pin number to authenticate the user and on authentication of the user, operatively enabling the user to send a command to switch the card and/or a card account linked thereto between passive, active and/or stopped state thereby to prevent the processing of any transactions other than with the card and/or a card account in the active state. |
