Methods and systems for verifying transactions

A computer system for verifying authorisation of a transaction, said computer system comprising:

• a memory for storing data and program instructions;
• and
• at least one processor coupled to said memory, said at least one processor programmed to:
• receive a request to process an electronic transaction for a predetermined amount of money, said request comprising data identifying a particular financial instrument;
• divide the predetermined amount into a plurality of charges;
• cause said financial instrument to be debited with each of said plurality of charges;
• receive information relating to said plurality of charges from the originator of said request;
• and
• verify said transaction only if said information is correct.

A computer program product comprising a computer readable medium comprising a computer program recorded therein for verifying authorisation of a transaction, said computer program product comprising:

• computer program code means for receiving a request to process an electronic transaction for a predetermined amount of money, said request comprising data identifying a particular financial instrument;
• computer program code means for dividing the predetermined amount into a plurality of charges;
• computer program code means for causing said financial instrument to be debited with each of said plurality of charges;
• computer program code means for receiving information relating to said plurality of charges from the originator of said request;
• and
• computer program code means for verifying said transaction only if said information is correct.

A computer-implemented method for verifying transactions, said method comprising the steps of:

• receiving a request to verify an electronic transaction for a predetermined amount of money;
• dividing said predetermined amount into a plurality of charges;
• providing said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
• receiving information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
• and
• verifying said transaction only if said received information is correct.

A computer system for verifying transactions, said computer system comprising:

• a memory for storing data and program instructions;
• and
• at least one processor coupled to said memory, said at least one processor programmed to:
• receive a request to verify an electronic transaction for a predetermined amount of money;
• divide said predetermined amount into a plurality of charges;
• provide said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
• receive information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
• and
• verify said transaction only if said received information is correct.

A computer program product comprising a computer readable medium comprising a computer program recorded therein for verifying transactions, said computer program product comprising:

• computer program code means for receiving a request to verify an electronic transaction for a predetermined amount of money;
• computer program code means for dividing said predetermined amount into a plurality of charges;
• computer program code means for providing said plurality of charges to facilitate debiting of said financial instrument with each of said plurality of charges;
• computer program code means for receiving information relating to said plurality of charges, said information originating from a user of said financial instrument after said plurality of charges has been debited to said financial instrument;
• and
• computer program code means for verifying said transaction only if said received information is correct.