Secure method for undertaking online transactions with a customer sent a cipher when his order is placed, that it then matched by his bank with a cipher furnished by the supplier before payment is cleared

摘要

A customer orders a product/service via the Internet, the supplier automatically sends cipher data with the order confirmation. The purchaser transmits the cipher data with payment data using normal online banking software to his bank. A central server (4) of the bank compares the cipher information with matching data from the supplier. If the two ciphers agree payment is made and the bank sends a payment confirmation to the supplier who releases the goods.