| 摘要 |
Methods and associated structure for verifying the identity of a consumer in a financial card transaction. The method provides for issuing at least one authorization request through standard card transaction networks and protocols. The amount of each transaction and/or the number of transactions is preferably randomly generated. If the purported cardholder confirms the random amounts and or number of transactions the purported cardholder is identified as an authorized cardholder. The authorized transactions are never captured (completed) and hence are removed by the issuing institution in accordance with the institutions rules for the account. Since the transactions are never captured, no funds are transferred to or from the card holder's account by virtue of the verification process. Further, the transactions are communicated to the institution using standard networks and protocols available from all card-issuing (or servicing) institutions and available to all merchants that accept cards for customer purchases. Still further, the same method may be used for verifying cardholder identity in both debit and credit card proposed transactions within a near-real-time environment. A further aspect of the invention provides for verifying an e-mail address associated with the verified authorized cardholder. The verified card account information and the associated, verified e-mail address of the cardholder is recorded in a database of a secured server. A merchant confronted with a proposed transaction using a card account may request verification from the secured server. An e-mail message is sent to the verified cardholder at the verified e-mail address. The cardholder's reply then accepts of rejects the proposed card transaction. |
