| 摘要 |
The present invention provides a system and method for authenticating a customer's identity and completing a credit card transaction between the customer (102) and a merchant (104) by authorizing a customer's transaction request without the use of the customer's credit card number or personal information The method utilizes a customer's existing online account with a credit card issuer (106), which also eliminates the need for the customer (102) to create and maintain a separate account with a third part service Furthermore, the method can be easily implemented into the existing credit card authentication protocols, so that a merchant can implement the payment method quickly, easily, and at minimal cost.
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