Patent ID: 8825556

Claim:
A computer-implemented method of completing an authenticated commercial transaction over an internet protocol (IP) network for an account holder engaged in the transaction with a merchant via a non-IP based telecommunications platform, said method comprising: (a) receiving a first message from the account holder via the non-IP based telecommunications platform at a transaction conversion system, said first message triggering authentication of the account holder and being in a first communication format and said transaction conversion system comprising at least one server; (b) establishing account information for a payment instrument being used in the transaction based upon content in the first message; (c) generating a second message using a second communication format different from the first format, said second message including the established account information; (d) submitting the second message via the IP network to a network entity different than the merchant over the IP network such that an authentication document is generated, said submitting independent of the merchant and the authentication document containing an input field; (e) generating a third message using the first format, said third message being submitted to the account holder via the non-IP based telecommunications platform such that the account holder is prompted to enter a security code; (f) receiving a fourth message containing the entered security code from the account holder via the non-IP based telecommunications platform, said fourth message being in the first format; and, (g) accessing the authentication document via the IP network to fill-in the input field of the authentication document with the security code contained in the fourth message.