Method and system for completing a transaction between a customer and a merchant
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United States of America Patent
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Jan 10, 2012
Grant Date -
May 26, 2011
app pub date -
Dec 16, 2010
filing date -
Jul 23, 2003
priority date (Note) -
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status (Latency Note)
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Abstract
A computer-implemented method for completing a transaction between a customer and at least one merchant receives, by a transaction system, an authorization request including customer data and transaction specific data from the merchant, wherein, prior to the authorization request, the customer is unknown to the transaction system; authenticates the customer by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; authorizes the transaction by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; and communicates the authorization response to the merchant during the transaction. An apparatus for implementing the method is disclosed.
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