CA2442814A1 - Systeme et procede pour effectuer des operations de paiement sures - Google Patents

Systeme et procede pour effectuer des operations de paiement sures Download PDF

Info

Publication number
CA2442814A1
CA2442814A1 CA002442814A CA2442814A CA2442814A1 CA 2442814 A1 CA2442814 A1 CA 2442814A1 CA 002442814 A CA002442814 A CA 002442814A CA 2442814 A CA2442814 A CA 2442814A CA 2442814 A1 CA2442814 A1 CA 2442814A1
Authority
CA
Canada
Prior art keywords
payment
authorization
authorization request
request message
sending
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
CA002442814A
Other languages
English (en)
Inventor
Edward J. Hogan
Carl Campbell
Arthur Kranzley
Bruce Rutherford
Stephen Orfei
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Incorporated
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 US09/886,486 external-priority patent/US7177848B2/en
Priority claimed from US09/886,485 external-priority patent/US6990470B2/en
Priority claimed from US09/963,274 external-priority patent/US20020042781A1/en
Application filed by Mastercard International Incorporated, Edward J. Hogan, Carl Campbell, Arthur Kranzley, Bruce Rutherford, Stephen Orfei filed Critical Mastercard International Incorporated
Publication of CA2442814A1 publication Critical patent/CA2442814A1/fr
Abandoned legal-status Critical Current

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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA002442814A 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures Abandoned CA2442814A1 (fr)

Applications Claiming Priority (13)

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 2001-06-22
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 US6990470B2 (en) 2000-04-11 2001-06-22 Method and system for conducting secure payments over a computer network
US30757501P 2001-07-24 2001-07-24
US60/307,575 2001-07-24
US09/963,274 2001-09-26
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
PCT/US2002/010356 WO2002079911A2 (fr) 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures

Publications (1)

Publication Number Publication Date
CA2442814A1 true CA2442814A1 (fr) 2002-10-10

Family

ID=27559554

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002442814A Abandoned CA2442814A1 (fr) 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures

Country Status (5)

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

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2004252882A1 (en) * 2003-06-10 2005-01-06 Mastercard International Incorporated 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 (fr) * 2014-12-22 2016-06-24 Orange Procede de securisation de transactions sans contact
US11120443B2 (en) * 2015-11-11 2021-09-14 Visa International Service Association Browser extension with additional capabilities

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
JPH0950465A (ja) * 1995-08-04 1997-02-18 Hitachi Ltd 電子ショッピング方法、電子ショッピングシステムおよび文書認証方法
US5960411A (en) * 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
EP1028401A3 (fr) * 1999-02-12 2003-06-25 Citibank, N.A. Méthode et système pour exécuter une transaction avec cartes bancaires
AU5968000A (en) * 1999-07-21 2001-02-13 E-Payments A method for performing a transaction over a network
FR2806858B1 (fr) * 2000-03-22 2002-05-03 France Telecom Procede cryptographique de protection contre la fraude
US20020083010A1 (en) * 2000-12-11 2002-06-27 Namsuk Kim Electronic identification system

Also Published As

Publication number Publication date
EP1374131A2 (fr) 2004-01-02
EP1374131A4 (fr) 2007-04-18
AU2002254513B2 (en) 2008-01-31
JP2004535619A (ja) 2004-11-25
WO2002079911A2 (fr) 2002-10-10
WO2002079911A3 (fr) 2003-07-03
AU2002254513B8 (en) 2008-02-21

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued