Patent ID: 6931382
Filing Date: 2005-08-16
Classification: G06Q,G07F

Abstract:
1. A method of protecting a payment instrument in non-face-to-face transactions, the payment instrument being issued by an issuing entity and associated with an authorized instrument holder, the authorized instrument holder being subject to authentication by a trusted third party with whom the payment instrument holder has previously registered, the method comprising: the authorized instrument holder communicating with the issuing entity to block, on a default basis, authorization of the payment instrument for non-face-to-face transactions; prior to a non-face-to-face transaction, the authorized instrument holder communicating with the trusted third party to subject him or herself to authentication and to request that the payment instrument be unblocked for non-face-to-face transactions; and the trusted third party authenticating the authorized instrument holder, and if the authentication result is positive, communicating with the issuing entity to store the request to unblock the payment instrument for non-face-to-face transactions.