PROCESSING ONLINE DEBIT CREDIT

Brand	Owner	Address	Description
ECELERATE	QUIXTAR INVESTMENTS, INC.	7575 Fulton Street East Ada MI 49355	Processing online debit and credit transactions for purchasers of a wide variety of retail consumer goods and services via a restricted access portion of a website on a global computer network;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

The invention comprises online methods, systems, and software for improving the processing of payments from financial accounts, particularly credit and debit card payments made from consumers to merchants in online transactions. The preferred embodiment of the invention involves inserting a trusted third party online service into the payment authorization process. The trusted third party authenticates the consumer and authorizes the proposed payment in a single integrated process conducted without the involvement of the merchant. The authentication of the consumer is accomplished over a persistent communication channel established with the consumer before a purchase is made. The authentication is done by verifying that the persistent channel is open when authorization is requested. Use of the third party services allows the consumer to avoid revealing his identity and credit card number to the merchant over a public network such as the Internet, while maintaining control of the transaction during the authorization process.