METHOD FOR PERFORMING SECURE ONLINE PAYMENT TRANSACTIONS

摘要

An online smart card (330) transaction system facilitates smart card (330) transactions with a merchant (200) over a public network. A host system (300) is configured to accept authentication data (320) from a user via an authentication device (320). The host system (300), after authenticating a user, is configured to retrieve the user's account information from a user database (340) system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system (300) to the merchant (200), thereby eliminating the need for the user to send to the merchant over the internet, the user's transaction account number.