| 摘要 |
A split transaction purchasing method for increasing the security of on-line transactions comprising the steps of-a customer accessing a merchant server and selecting desired goods and services and placing an order for same, the order resulting in the transmission of an order packet to the merchant server and an authorization packet to a bank server; upon receipt of the order packet, the merchant server generating a merchant packet and transmitting same so that it is received by the bank server; the bank server coordinating the merchant packet with the authorization packet; upon successful coordination, the transaction being subjected to normal back-end processing. Also disclosed is an interactive customer approval method for performing secure Internet transactions of the type where a customer transmits an order packet to a merchant indicating a desire to engage in a transaction, and the merchant consequently transmits a merchant packet related to the requested transaction, the method comprising: in an interactive mode, obtaining authorization from the customer for the requested transaction, resulting in an authorization packet; coordinating the authorization packet with the merchant packet; and transmitting an approval packet if coordination is successful.
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