System and method for conversion between internet and non-internet based transactions

Abstract

A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network () for an account holder () engaged in the transaction via a non-IP based telecommunications platform (). The method includes: receiving a first message from the account holder () via the non-IP based telecommunications platform (), the first message triggering authentication of the account holder () and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network () to a network entity () such that an authentication document is generated (), the authentication document () containing an input field (); generating a third message using the first format, the 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; receiving a fourth message containing the entered security code from the account holder () via the non-IP based telecommunications platform (), the fourth message being in the first format; and, 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.