Method for Providing Secured Card Transactions During Card Not Present (CNP) Transactions

摘要

During a card not present (CNP) transaction the user is required to provide more information which includes a two-way handover during transaction processing, merchant options in choosing these steps, security measures in storing information, and retrieving information to fight charge backs. APIs are provided to merchants to integrate with existing transaction processing software the supply sign off option information to the API. Merchants can sign off either prior to or after the transaction processing. Based on the sign off option, the smart phone app displays the steps required to complete the now enhanced sign off process. For the first sign off option, the user must first scan the credit card, then scan a photo id, and then sign the HI transaction. For the second sign off option, the user has to scan the credit card and sign the transaction. For the third sign off option, the user must sign the transaction.