To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of...http://www.google.co.uk/patents/US7431207?utm_source=gb-gplus-sharePatent US7431207 - System and method for two-step payment transaction authorizations
