| 摘要 |
A computer system for verifying a commercial transaction between an account-holder and a merchant, comprises: a processing unit (202) for processing data and code; a memory device (208) for storing the data and the code, the code includes a merchant communications module (232) operative to facilitate a connection with the merchant for receiving a transaction approval request including a complete account number, an account-holder communications module (222) operative to facilitate a separate connection with the account-holder for verifying the transaction approval request, and an authorization module (226) responsive to the transaction approval request and operative to transmit an approval to the merchant only if the transaction approval request is verified by the account-holder; and wherein the authorisation module (226) responsive to instructions from the account-holder is operative to automatically verify subsequent transaction approval requests without further input from the account-holder.
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