| 摘要 |
A secure electronic payment system and method for conducting a secure transaction (120) using authentication is provided. A merchant's computer (104) transmits an authorization request to an access control server (112). The access control (112) obtains authentication (130) to confirm the identit y of the purchaser (102), via e.g., an electronic form or interactive voice response system. The access control server (112) then transmits a response t o the merchant's computer. If the purchaser (102) is authorized to access the account, payment is processed by the merchant (104) and the transaction (102 ) is completed.
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