System and method for verifying commercial transactions
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United States of America Patent
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Feb 19, 2013
Grant Date -
N/A
app pub date -
Jul 17, 2000
filing date -
Jul 17, 2000
priority date (Note) -
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status (Latency Note)
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Abstract
A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request.
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