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English Abstract
A system for facilitating e-commerce transactions includes a network
including at least one subscriber, a virtual merchant, an authentication
server, and a
billing system associated with the network for obtaining payment from the
subscribers. The virtual merchant includes input means for receiving a request
for an
e-commerce transaction, and an authorization signal for execution of the
transaction.
The authentication server includes a data receiver for receiving transaction
information identifying the transaction, and for receiving along a first data
channel
subscriber billing data identifying a subscriber billing account for the
transaction. The
authentication server also includes an authentication transceiver for
obtaining an
indication of authenticity of the received billing data from the billing
system along a
second data channel. The authentication server further includes an authorizing
transmitter for providing the merchant with the authorization signal. In
operation, the
virtual merchant receives a request from for an e-commerce transaction. The
authorization server then receivers billing data for the transaction, and
provides the
merchant with an authorization signal responsive to the billing data for
causing the
merchant to respond to the request for the transaction in accordance with the
authorization signal. The authorization server then causes the billing system
to obtain
payment for the transaction from the subscriber, the payment being responsive
to the
authenticity of the balling data. Preferably, the first and second data
channels are
secure at least from the virtual merchant to reduce the possibility of fraud,
and the
authorization signal is derived from the authenticity indication and excludes
information identifying the subscriber so as to protect the anonymity of the
subscriber
relative to the virtual merchant.
French Abstract
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