摘要 |
When a customer (112) sends an order including credit or debit card payment details, from their Internet browser to a merchant (110) web site, the merchant seeks authorisation from the credit or debit card issuer (114). The credit card issuer sends an e-mail to the holder of the credit or debit card account holder requesting verification of the order. The account holder can accept or reject the order or, if the order has not been placed by them, indicate that it is fraudulent. Unless the credit card issuer receives acceptance of the order from the account holder, it will not authorise the transaction. If the order is accepted by the account holder, it will authori se the transaction subject to its normal authorisation checks. The e-mails sent between the account holder and card issuer contain a unique transaction reference unknown to the merchant. An intermediate dispatch house may handle e- mail communication with account holders and communicate with the card issuer .
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