| 摘要 |
An online financial transaction system and method which uses existing public communications network (item 20, figure 1) and an EFT network (item 22) to enable financial transactions by a customer (item 30) in a secure manner without transmitting the customer's PIN. The system includes a data center (item 12) with secure server (item 14) and database (item 16) wherein the data center is connected to the communications network (item 20) and to the EFT network (item 22). Also included in the system is a user interface (item 28) connecting authorized user (item 30) to the communications network (item 20). After establishing the connection, the user (item 30) enters an encrypted session with the secure server (item 14). Next, the user logs into the secure server (item 14) using an access ID and password. Once validated, the user (item 30) is able to conduct an online financial transaction without transmitting the user's PIN over the network (item 20). |
