WO1998005011A3 - A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture - Google Patents

A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture Download PDF

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Publication number
WO1998005011A3
WO1998005011A3 PCT/US1997/013673 US9713673W WO9805011A3 WO 1998005011 A3 WO1998005011 A3 WO 1998005011A3 US 9713673 W US9713673 W US 9713673W WO 9805011 A3 WO9805011 A3 WO 9805011A3
Authority
WO
WIPO (PCT)
Prior art keywords
over
information
merchant
internet
service requests
Prior art date
Application number
PCT/US1997/013673
Other languages
French (fr)
Other versions
WO1998005011A2 (en
Inventor
Kevin T B Rowney
Original Assignee
Verifone Inc
Kevin T B Rowney
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, Kevin T B Rowney filed Critical Verifone Inc
Priority to EP97936382A priority Critical patent/EP0923769A2/en
Priority to AU39064/97A priority patent/AU3906497A/en
Publication of WO1998005011A2 publication Critical patent/WO1998005011A2/en
Publication of WO1998005011A3 publication Critical patent/WO1998005011A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal

Abstract

An architecture that provides a server that communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers is disclosed. Service requests are associated with a particular merchant based on storefront visited by a consumer or credentials presented by a merchant. Service requests result in merchant specific transactions that are transmitted to the gateway for further processing on existing host applications. By presenting the appropriate credentials, the merchant could utilize any other computer attached to the Internet utilizing a SSL or SET protocol to query the vPOS system remotely and obtain capture information, payment administration information, inventory control information, audit information and process customer satisfaction information. Secure transmission of a value transfer protocol transaction is provided between a plurality of computer systems over a public communication system, such as the Internet. A connection is created between two computer systems using a public network, such as the Internet, to connect the computers. Then, digital certificates and a digital signature are exchanged to ensure that both parties are who they say they are. Finally, the two smart cards involved in a transaction are read by individual computers connected utilizing the network, and the value transfer protocol is executed over the secured network. The value transfer protocol facilitates the exchange of money between the two smart cards.
PCT/US1997/013673 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture WO1998005011A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP97936382A EP0923769A2 (en) 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture
AU39064/97A AU3906497A (en) 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US69290796A 1996-07-31 1996-07-31
US08/692,907 1996-07-31

Publications (2)

Publication Number Publication Date
WO1998005011A2 WO1998005011A2 (en) 1998-02-05
WO1998005011A3 true WO1998005011A3 (en) 1998-05-07

Family

ID=24782536

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/013673 WO1998005011A2 (en) 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture

Country Status (3)

Country Link
EP (1) EP0923769A2 (en)
AU (1) AU3906497A (en)
WO (1) WO1998005011A2 (en)

Families Citing this family (23)

* Cited by examiner, † Cited by third party
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US6353812B2 (en) 1998-02-19 2002-03-05 Certco, Inc. Computer-based method and system for aiding transactions
US7240022B1 (en) 1998-05-19 2007-07-03 Mypoints.Com Inc. Demographic information gathering and incentive award system and method
US6738749B1 (en) * 1998-09-09 2004-05-18 Ncr Corporation Methods and apparatus for creating and storing secure customer receipts on smart cards
FI106495B (en) 1999-04-12 2001-02-15 Nokia Mobile Phones Ltd network element
AU5598800A (en) * 1999-06-21 2001-01-09 Sun Microsystems, Inc. Method and apparatus for commercial transactions via the internet
US6643701B1 (en) * 1999-11-17 2003-11-04 Sun Microsystems, Inc. Method and apparatus for providing secure communication with a relay in a network
US6714982B1 (en) * 2000-01-19 2004-03-30 Fmr Corp. Message passing over secure connections using a network server
US6983259B1 (en) 2000-06-23 2006-01-03 Ebs Group Limited Anonymous trading system
US7827085B1 (en) 2000-06-23 2010-11-02 Ebs Group Limited Conversational dealing in an anonymous trading system
US7024386B1 (en) 2000-06-23 2006-04-04 Ebs Group Limited Credit handling in an anonymous trading system
GB2364586B (en) 2000-06-23 2004-06-16 Ebs Nominees Ltd Deal matching in an anonymous trading system
US7333952B1 (en) 2000-06-23 2008-02-19 Ebs Group Limited Compound order handling in an anonymous trading system
US7184982B1 (en) 2000-06-23 2007-02-27 Ebs Group Limited Architecture for anonymous trading system
US7366690B1 (en) 2000-06-23 2008-04-29 Ebs Group Limited Architecture for anonymous trading system
AU2003261299A1 (en) 2002-07-30 2004-02-16 Acs State And Local Solutions, Inc. Systems and methods for processing benefits
US7587434B2 (en) 2002-10-01 2009-09-08 Acs State & Local Solutions, Inc. Method and system for managing a distributed transaction process
US8340979B2 (en) 2002-10-01 2012-12-25 Acs State & Local Solutions, Inc. Systems and methods for electronically processing government sponsored benefits
US8577795B2 (en) 2002-10-10 2013-11-05 Convergys Information Management Group, Inc. System and method for revenue and authorization management
US8489742B2 (en) 2002-10-10 2013-07-16 Convergys Information Management Group, Inc. System and method for work management
US7668093B1 (en) 2004-08-05 2010-02-23 Convergys Information Management Group, Inc. Architecture for balancing workload
US7590980B1 (en) 2004-06-14 2009-09-15 Convergys Cmg Utah, Inc. System and method for a functional extensibility framework
RU2631983C2 (en) 2012-01-05 2017-09-29 Виза Интернэшнл Сервис Ассосиэйшн Data protection with translation
CN112419582A (en) * 2020-09-25 2021-02-26 浪潮金融信息技术有限公司 Method for reading social security card information based on BS architecture, card reading device and medical self-service equipment

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4625276A (en) * 1983-08-31 1986-11-25 Vericard Corporation Data logging and transfer system using portable and resident units
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
EP0668579A2 (en) * 1994-02-08 1995-08-23 AT&T Corp. Secure money transfer techniques using smart cards
WO1995030211A1 (en) * 1994-04-28 1995-11-09 Citibank, N.A. Trusted agents for open electronic commerce
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4625276A (en) * 1983-08-31 1986-11-25 Vericard Corporation Data logging and transfer system using portable and resident units
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
EP0668579A2 (en) * 1994-02-08 1995-08-23 AT&T Corp. Secure money transfer techniques using smart cards
WO1995030211A1 (en) * 1994-04-28 1995-11-09 Citibank, N.A. Trusted agents for open electronic commerce
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Also Published As

Publication number Publication date
EP0923769A2 (en) 1999-06-23
AU3906497A (en) 1998-02-20
WO1998005011A2 (en) 1998-02-05

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