WO/2007/144708 is referenced by 6 patents.
A secure transaction is carried out by a merchant application which provides details of the customer bank and the transaction amount to a host system (104) and receives a transaction identifier. The merchant provides the customer with the identifier. The customer uses the bank's online banking and enters the transaction identifier. The specified bank (106) verifies the transaction identifier and the transaction amount with the host system, and then approves the transaction. The bank then advises the host system which advises the merchant to release the purchased goods or services.