| 摘要 |
<P>PROBLEM TO BE SOLVED: To provide a method of and system for authorizing purchases made over a computer network by using an ATM card, etc. <P>SOLUTION: A consumer 12 transmits an ATM card number through the network 24 to an on-line merchant 16 from which a consumer 12 desires to make a purchase. The on-line merchant 16 then electronically forwards the ATM card number to a third party contractor 20, such as a bank, the third party contractor oversees and authorizes the transaction. The third party contractor 20 subsequently determines an authentication token type associated with the card and electronically prompts the consumer for the appropriate type of authentication token, such as a PIN or biometric measuring signature or the like. The consumer 12 then inputs and electronically transmits the authentication token to the third party contractor 20. The third party contractor 20 verifies that the ATM card number and authentication token are valid, checks for sufficiency of funds, and either authorizes or denies the transaction. <P>COPYRIGHT: (C)2011,JPO&INPIT |
