| 摘要 |
A system and method verify a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with t he merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company (702). The credit card company executes conventional credit approval of the transaction approv al request (704, 706), as well as verifies the transaction approval request wit h the card-holder (710). An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder (714). The card-holder, or the credit card company, may initiate verification of the transaction approval request. The request can also be automatically verified if one or many pre- verification criteria are satisfied by data contained in the request. The pr e- verification criteria can be initially determined and/or modified by the car d holder.
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