WEB-BASED CHECKOUT AND ALTERNATE LOGIN BASED ON SECURE IDENTIFIERS AND ALTERNATE LINK FORMATS

摘要

A system and method for web-based checkout in an e-commerce system using a secret pin received via Short Message Service (SMS) and using an identifier are disclosed. The system and method include receiving a customer payment request and email address of a customer from a vendor, transmitting a pin to an SMS account of the customer, receiving the pin from the customer to confirm payment, authenticating the IP address and the pin and processing the payment. The system and method include receiving a payment request from a customer and a phone number of the customer, authenticating an IP address of the customer, looking up an account of the customer based on the received phone number, generating a link and token associated with the customer, transmitting the mailto link and token to the customer, receiving an email response from the customer, and processing the payment.