Secure remote payments over the Internet or by telephone, uses coded grid send by payment handlers to user to encode card data, which is decoded using a customer identifier to locate starting point on the grid

摘要

The payment method commences with the operators (4,5) who handle payment sending users (1,2) a coded grid (6) containing an identifier (61) and a transposition key. The users then encode the alphanumeric characters on their card using the grid, and when a purchase is made send the identifier and the encoded card data to the operators. The operators then use the grid to decode the card data.