| 摘要 |
<p>A system for conducting a remote financial transaction between a customer and a merchant wherein for each transaction a customer is issued with a transaction code by a transaction authority (24) for use as a substitute for the account number of the customer from which funds will be drawn by the merchant for the transaction. An address code is retrieved from a storage means (27) representing a delivery location for the customer to which goods and/or services provided by the merchant will be sent. Authorisation for the transaction from the customer occurs when the customer provides the merchant with the transaction code. In order for the merchant to claim funds from the customer the merchant transmits an amount together with a merchant code and the transaction code to the transaction authority (24). Upon validation by the transaction authority (24) the address code and an approval code is sent to the merchant for use in initiating the transfer of funds to the merchant account. The merchant may cross check the storage means (27) on entering the address code to obtain a corresponding physical or electronic address where the goods are to be delivered.</p> |
