Fremgangsmåte og system for sikker, autentisert betaling på et datamaskinnettverk

摘要

A simple, secure and easy-to-deploy method and system for authenticating credit and debit cardholders at the point-of-sale on a computer network (e.g., the Internet) is disclosed. Cardholders are authenticated using digital signatures on a sales draft, in a manner that does not necessarily require any changes in the transaction flow of the participating financial institutions.