WO1997049054A3 - A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture - Google Patents

A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture Download PDF

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Publication number
WO1997049054A3
WO1997049054A3 PCT/US1997/010578 US9710578W WO9749054A3 WO 1997049054 A3 WO1997049054 A3 WO 1997049054A3 US 9710578 W US9710578 W US 9710578W WO 9749054 A3 WO9749054 A3 WO 9749054A3
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
merchant
payment
computer system
secure transmission
Prior art date
Application number
PCT/US1997/010578
Other languages
French (fr)
Other versions
WO1997049054A2 (en
Inventor
Humphrey Williams
Original Assignee
Verifone Inc
Humphrey Williams
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Verifone Inc, Humphrey Williams filed Critical Verifone Inc
Priority to AU34008/97A priority Critical patent/AU3400897A/en
Publication of WO1997049054A2 publication Critical patent/WO1997049054A2/en
Publication of WO1997049054A3 publication Critical patent/WO1997049054A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification

Abstract

Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer system to a merchant computer system, and for the further secure transmission of payment information regarding a payment instrument from the merchant computer system to a payment gateway computer system. The payment gateway system evaluates the payment information and returns a level of authorization of credit via a secure transmission to the merchant which is communicated to the customer by the merchant. The merchant can then determine whether to accept the payment instrument tendered or deny credit and require another payment instrument. A user of secure software will acquire certificates to support the operation of the software. The user provides detailed personal or company information together with public keys and other data as required by the certificate authority. In a SET implementation, the user will do this using a certificate form. The certificate form prompts for information necessary to create a certificate, and grants authority to utilize a software application for an appropriate purpose. If a user selects a particular certificate, a particular software application is generated based on the selected certificate. In addition, configuration data for the application associated with a particular certificate is defined by the issuing agent for the certificate.
PCT/US1997/010578 1996-06-17 1997-06-17 A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture WO1997049054A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU34008/97A AU3400897A (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/664,446 US6119105A (en) 1996-06-17 1996-06-17 System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
US08/664,446 1996-06-17

Publications (2)

Publication Number Publication Date
WO1997049054A2 WO1997049054A2 (en) 1997-12-24
WO1997049054A3 true WO1997049054A3 (en) 1998-02-05

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/010578 WO1997049054A2 (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture

Country Status (3)

Country Link
US (1) US6119105A (en)
AU (1) AU3400897A (en)
WO (1) WO1997049054A2 (en)

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