| 摘要 |
The present invention is a system and method of providing user PC-controlled encryption protocol. A merchant and a user are connected to a network. The user purchases items from the merchant with the transaction being processed through a credit card clearinghouse. Merchant provides a Book Mark Index and a Transaction Number to connected nodes. A User generates the encryption key by designating an encryption method and inserting the representative number at the Book Mark Index. The encryption key is sent to the Merchant and the Clearinghouse. The user sends the transaction number and associated information to a Clearinghouse. The user further sends shipping and communication data to the merchant and Data Pointers to the Clearinghouse. The user authenticates their person and the transaction, allowing the user to communicate with the Clearinghouse. The clearinghouse verifies the data pointers with the full customer profile. The Clearinghouse then verifies the customer's account balances and provides the transaction approval / disapproval directly to the Merchant. A Data Transaction Monitor tracks and pays the payment service for each approved transaction placed by a registered user. |
