WO2002079911A3 - System and method for conducting secure payment transactions - Google Patents

System and method for conducting secure payment transactions Download PDF

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Publication number
WO2002079911A3
WO2002079911A3 PCT/US2002/010356 US0210356W WO02079911A3 WO 2002079911 A3 WO2002079911 A3 WO 2002079911A3 US 0210356 W US0210356 W US 0210356W WO 02079911 A3 WO02079911 A3 WO 02079911A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
payment
request message
authorization request
sent
Prior art date
Application number
PCT/US2002/010356
Other languages
French (fr)
Other versions
WO2002079911A2 (en
Inventor
Edward J Hogan
Carl Campbell
Arthur Kranzley
Bruce Rutherford
Stephen Orfei
Original Assignee
Mastercard International Inc
Edward J Hogan
Carl Campbell
Arthur Kranzley
Bruce Rutherford
Stephen Orfei
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
Priority claimed from US09/886,485 external-priority patent/US6990470B2/en
Priority claimed from US09/886,486 external-priority patent/US7177848B2/en
Priority claimed from US09/963,274 external-priority patent/US20020042781A1/en
Application filed by Mastercard International Inc, Edward J Hogan, Carl Campbell, Arthur Kranzley, Bruce Rutherford, Stephen Orfei filed Critical Mastercard International Inc
Priority to JP2002577680A priority Critical patent/JP2004535619A/en
Priority to CA002442814A priority patent/CA2442814A1/en
Priority to EP02723747A priority patent/EP1374131A4/en
Priority to AU2002254513A priority patent/AU2002254513B8/en
Publication of WO2002079911A2 publication Critical patent/WO2002079911A2/en
Publication of WO2002079911A3 publication Critical patent/WO2002079911A3/en

Links

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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

Abstract

In a secure electronic payment, authentication data is sent from a payment account issuer (406) to user software (402) operated by a purchaser. The user software sends the authentication data to a merchant (404) using hidden fields on the Web page of the merchant (404). The merchant (404) generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization (408) either directly from the merchant (404) or via the merchant's acquirer. The payment organization (408) forwards the authorization request message to a payment account issuer (406) which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization (408). The payment organization (408) forwards the authorization response message to the merchant (404), either directly or via the acquirer.
PCT/US2002/010356 2001-04-02 2002-04-02 System and method for conducting secure payment transactions WO2002079911A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
JP2002577680A JP2004535619A (en) 2001-04-02 2002-04-02 Systems and methods for secure payment transactions
CA002442814A CA2442814A1 (en) 2001-04-02 2002-04-02 System and method for conducting secure payment transactions
EP02723747A EP1374131A4 (en) 2001-04-02 2002-04-02 System and method for conducting secure payment transactions
AU2002254513A AU2002254513B8 (en) 2001-04-02 2002-04-02 System and method for conducting secure payment transactions

Applications Claiming Priority (12)

Application Number Priority Date Filing Date Title
US28077601P 2001-04-02 2001-04-02
US60/280,776 2001-04-02
US29563001P 2001-06-04 2001-06-04
US60/295,630 2001-06-04
US09/886,485 US6990470B2 (en) 2000-04-11 2001-06-22 Method and system for conducting secure payments over a computer network
US09/886,486 2001-06-22
US09/886,486 US7177848B2 (en) 2000-04-11 2001-06-22 Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US09/886,485 2001-06-22
US30757501P 2001-07-24 2001-07-24
US60/307,575 2001-07-24
US09/963,274 US20020042781A1 (en) 2000-09-27 2001-09-26 Universal and interoperable system and method utilizing a universal cardholder authentication field (UCAF) for authentication data collection and validation
US09/963,274 2001-09-26

Publications (2)

Publication Number Publication Date
WO2002079911A2 WO2002079911A2 (en) 2002-10-10
WO2002079911A3 true WO2002079911A3 (en) 2003-07-03

Family

ID=27559554

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/010356 WO2002079911A2 (en) 2001-04-02 2002-04-02 System and method for conducting secure payment transactions

Country Status (5)

Country Link
EP (1) EP1374131A4 (en)
JP (1) JP2004535619A (en)
AU (1) AU2002254513B8 (en)
CA (1) CA2442814A1 (en)
WO (1) WO2002079911A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
HUE029807T2 (en) * 2003-06-10 2017-03-28 Mastercard International Inc Systems and methods for conducting secure payment transactions using a formatted data structure
AU2011239307B2 (en) * 2003-06-10 2015-04-16 Mastercard International Incorporated Systems and methods for conducting secure payment transactions using a formatted data structure
US7941755B2 (en) * 2007-04-19 2011-05-10 Art Technology Group, Inc. Method and apparatus for web page co-browsing
FR3030828A1 (en) * 2014-12-22 2016-06-24 Orange METHOD FOR SECURING CONTACTLESS TRANSACTIONS
US11120443B2 (en) * 2015-11-11 2021-09-14 Visa International Service Association Browser extension with additional capabilities

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5754656A (en) * 1995-08-04 1998-05-19 Hitachi, Ltd. Electronic shopping method, electronic shopping system and document authenticating method relating thereto
US6205436B1 (en) * 1994-04-28 2001-03-20 Citibank, N.A. Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized
WO2001071675A1 (en) * 2000-03-22 2001-09-27 France Telecom Cryptographic method for protection against fraud
US20020083010A1 (en) * 2000-12-11 2002-06-27 Namsuk Kim Electronic identification system

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5960411A (en) * 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
EP1028401A3 (en) * 1999-02-12 2003-06-25 Citibank, N.A. Method and system for performing a bankcard transaction
EP1315951A2 (en) * 1999-07-21 2003-06-04 E-Payments A method for performing a transaction over a network

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6205436B1 (en) * 1994-04-28 2001-03-20 Citibank, N.A. Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized
US5754656A (en) * 1995-08-04 1998-05-19 Hitachi, Ltd. Electronic shopping method, electronic shopping system and document authenticating method relating thereto
WO2001071675A1 (en) * 2000-03-22 2001-09-27 France Telecom Cryptographic method for protection against fraud
US20020083010A1 (en) * 2000-12-11 2002-06-27 Namsuk Kim Electronic identification system

Also Published As

Publication number Publication date
EP1374131A2 (en) 2004-01-02
AU2002254513B8 (en) 2008-02-21
WO2002079911A2 (en) 2002-10-10
EP1374131A4 (en) 2007-04-18
JP2004535619A (en) 2004-11-25
CA2442814A1 (en) 2002-10-10
AU2002254513B2 (en) 2008-01-31

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