APPARATUS AND METHOD FOR CONDUCTING SECURE TRANSACTIONS USING A CREDIT CARD

摘要

A method and system are disclosed for conducting secure transactions using a credit card. A credit card is registered by associating it with a user's bank account and personal identification number (PIN). During a transaction, the credit card is used in a normal fashion. The user is further required to provide the PIN used to register the credit card. This information is validated prior to being sent to the credit card issuer. If the information cannot be validated, then the transaction cannot occur and no information is transmitted to the credit card issuer.