JP2007511005A - 中央集中型電子商取引カード商取引 - Google Patents
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- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G06Q20/38—Payment protocols; Details thereof
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
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- 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
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- 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
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Abstract
Description
電子商取引カードは、インターネットを通じてマーチャントから購入する消費者によって頻繁に使用される。電子商取引カードは、クレジットカード、デビットカード、プリペイド購入カード、トラベルカード、商品またはサービスを購入するために現金の代わりに使用し得る任意の他のシステムを含む。認証システムの一例は、カード保有者にパスワードおよび他の識別情報を電子商取引カードに関連させ得る。オンラインの購入を行なうために、消費者は電子商取引カードに関連するパスワードまたは他の識別情報を提示しなければならない。これは、電子商取引カードを所有する人が電子商取引カードを使用することを実際に認可されることを保証する。
図1は、従来の分散型カード認証システム100を示す。システム100は、電子商取引カードでオンラインで購入するときにカード保有者が認証されることを可能にする。カード保有者システム105は、マーチャントコンピュータ110にアクセスすることによって、オンライン購入を始める。実施形態において、カード保有者システム105は、ウェブブラウザを介してインターネットを経由し、マーチャントコンピュータ110によって提示されるウェブサイトにアクセスする。それに代わって、カード保有者システム105は、代替の電子証券取引ネットワークを介してマーチャントコンピュータ110にアクセスし得る。カード保有者システム105は、例えばパーソナルコンピュータ、携帯情報端末、または電話など、任意のタイプの通信デバイスであり得る。
Claims (31)
- 中央商取引サーバーを備える電子商取引カード認証システムであって、
該中央商取引サーバーは、
認証要求をカード保有者システムから受信し、
該認証要求をアクセスコントロールサーバーに転送し、
該アクセスコントロールサーバーと該カード保有者システムとの間において認証情報を中継し、
認証応答を該アクセスコントロールサーバーから受信し、
該認証応答を該カード所有者システムに転送する、ように適合されている、電子商取引カード認証システム。 - 前記認証応答がマーチャントシステムによって分析されるように適合されている、請求項1に記載の電子商取引カード認証システム。
- 前記中央商取引サーバーが、認証応答のコピーを保存するために認証履歴サーバーに転送するように適合されている、請求項1に記載の電子商取引カード認証システム。
- 前記中央商取引サーバーが、認証実行可否要求をディレクトリサーバーから受信し、認証実行可否応答を該ディレクトリサーバーに送信するようにさらに適合されている、請求項1に記載の電子商取引カード認証システム。
- 前記中央商取引サーバーが、前記アクセスコントロールサーバーへの問い合わせに応じて前記認証実行可否応答を送信するように適合されている、請求項4に記載の電子商取引カード認証システム。
- 前記中央商取引サーバーが、前記認証実行可否応答を前記ディレクトリサーバーへ前記アクセスコントロールサーバーに問い合わせるかまたは問い合わさずに送信するように適合され、認証要求の受信に応じて該アクセスコントロールサーバーに問い合わすように適合されている、請求項4に記載の電子商取引認証システム。
- 前記認証要求が、前記中央商取引サーバーによってあらかじめ生成された、電子商取引カード口座番号に対応するスードニムを含む、請求項1に記載の電子商取引カード認証システム。
- 前記認証要求が、マーチャントシステムによってあらかじめ生成された、電子商取引カード口座番号に対応するスードニムを含む、請求項1に記載の電子商取引カード認証システム。
- 前記中央商取引サーバーが認証応答を前記アクセスコントロールサーバーから受信することに応じて、カード関連ネットワークを介してチャージ要求を開始するように適合されている、請求項1に記載の電子商取引カード認証システム。
- カード保有者によって提供される電子商取引カード情報を認証する方法であって、該方法は、
認証要求をカード保有者システムから受信することと、
該認証要求をアクセスコントロールサーバーに転送することと、
該アクセスコントロールサーバーと該カード保有者システムとの間において認証情報を中継することと、
認証応答を該アクセスコントロールサーバーから受信することと、
該認証応答を該カード保有者システムに転送することと、
を包含する、方法。 - 前記認証応答がマーチャントシステムによって分析されるよう適合されている、請求項10に記載の方法。
- 前記認証応答のコピーを保存するために、認証履歴サーバーに転送することをさらに包含する、請求項10に記載の方法。
- 認証実行可否要求をディレクトリサーバーから受信し、認証実行可否応答を該ディレクトリサーバーに送信することをさらに包含する、請求項10に記載の方法。
- 前記認証実行可否応答が、前記アクセスコントロールサーバーへの問い合わせに応じて送信される、請求項13に記載の方法。
- 前記認証実行可否応答が前記アクセスコントロールサーバーに問い合わせることなく前記ディレクトリサーバーに送信され、認証要求を受信することに応じて該アクセスコントロールサーバーに問い合わせることをさらに包含する、請求項13に記載の方法。
- 前記認証要求が、電子商取引カード口座番号に対応する、前記中央商取引サーバーによってあらかじめ生成されたスードニムを含む、請求項10に記載の方法。
- 前記認証要求が、電子商取引カード口座番号に対応する、マーチャントシステムによってあらかじめ生成されたスードニムを含む、請求項10に記載の方法。
- 認証応答を前記アクセスコントロールサーバーから受信することに応じて、カード関連ネットワークを介してチャージリクエストを開始することをさらに包含する、請求項1に記載の方法。
- 工程のセットを実行するために情報処理デバイスを作動するように適合された命令のセットを含む情報記憶媒体であって、該工程のセットは、
認証要求をカード保有者システムから受信する工程と、
該認証要求をアクセスコントロールサーバーに転送する工程と、
該アクセスコントロールサーバーと該カード保有者システムとの間において認証情報を中継する工程と、
認証応答を該アクセスコントロールサーバーから受信する工程と、
該認証応答をカード保有者システムに転送する工程と、
を包含する、情報記憶媒体。 - 前記認証応答がマーチャントシステムによって分析されるように適合されている、請求項19に記載の情報記憶媒体。
- 前記工程のセットが、前記認証応答のコピーを、保存のために認証履歴サーバーに転送する工程をさらに包含する、請求項19に記載の情報記憶媒体。
- 前記工程のセットが、認証実行可否要求をディレクトリサーバーから受信し、認証実行可否応答を前記ディレクトリサーバーに送信する工程をさらに包含する、請求項19に記載の情報記憶媒体。
- 前記認証実行可否応答が、前記アクセスコントロールサーバーへの問い合わせに応じて送信される、請求項22に記載の情報記憶媒体。
- 前記認証実行可否応答が前記アクセスコントロールサーバーに問い合わせることなく前記ディレクトリサーバーに送信され、工程のセットが認証要求を受信することに応じて該アクセスコントロールサーバーに問い合わせる工程をさらに包含する、請求項22に記載の情報記憶媒体。
- 前記認証要求が、電子商取引カード口座番号に対応する、中央商取引サーバーによってあらかじめ生成されたスードニムを含む、請求項19に記載の情報記憶媒体。
- 前記認証要求が、電子商取引カード口座番号に対応する、マーチャントシステムによってあらかじめ生成されたスードニムを含む、請求項19に記載の情報記憶媒体。
- 前記工程のセットが、前記アクセスコントロールサーバーから認証応答を受信することに応じてカード関連ネットワークを介してチャージ要求を開始する工程をさらに包含する、請求項19に記載の情報記憶媒体。
- 前記問い合わせに応じて前記認証実行可否応答を前記アクセスコントロールサーバーから受信することと、
該認証実行可否応答を前記ディレクトリサーバーに転送することと、
をさらに包含する、請求項14に記載の方法。 - 前記アクセスコントロールサーバーから受信される前記認証実行可否応答を変更することと、
該変更された認証実行可否応答を前記ディレクトリサーバーに転送することと、
をさらに包含する、請求項28に記載の方法。 - 前記問い合わせに応じて前記認証実行可否応答を前記コントロールサーバーから受信することと、
該認証実行可否応答を前記ディレクトリサーバーに転送することと、
をさらに包含する、請求項22に記載の情報記憶媒体。 - 前記アクセスコントロールサーバーから受信される前記認証実行可否応答を変更することと、
該変更された認証実行可否応答を前記ディレクトリサーバーに転送することと、
をさらに包含する、請求項30に記載の情報記憶媒体。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/705,212 US7653602B2 (en) | 2003-11-06 | 2003-11-06 | Centralized electronic commerce card transactions |
PCT/US2004/030309 WO2005048020A2 (en) | 2003-11-06 | 2004-09-15 | Centralized electronic commerce card transactions |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2010278672A Division JP5558329B2 (ja) | 2003-11-06 | 2010-12-14 | 中央集中型電子商取引カード商取引 |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2007511005A true JP2007511005A (ja) | 2007-04-26 |
JP4682147B2 JP4682147B2 (ja) | 2011-05-11 |
Family
ID=34590756
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2006539472A Expired - Fee Related JP4682147B2 (ja) | 2003-11-06 | 2004-09-15 | 中央集中型電子商取引カード商取引 |
JP2010278672A Expired - Fee Related JP5558329B2 (ja) | 2003-11-06 | 2010-12-14 | 中央集中型電子商取引カード商取引 |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
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JP2010278672A Expired - Fee Related JP5558329B2 (ja) | 2003-11-06 | 2010-12-14 | 中央集中型電子商取引カード商取引 |
Country Status (6)
Country | Link |
---|---|
US (3) | US7653602B2 (ja) |
EP (1) | EP1683090A4 (ja) |
JP (2) | JP4682147B2 (ja) |
AU (1) | AU2004288988B2 (ja) |
CA (1) | CA2545156A1 (ja) |
WO (1) | WO2005048020A2 (ja) |
Cited By (1)
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JP2009518744A (ja) * | 2005-12-06 | 2009-05-07 | ビザ ユー.エス.エー.インコーポレイテッド | 携帯消費者装置をロードし、再ロードする方法とシステム |
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WO2007137079A2 (en) * | 2006-05-16 | 2007-11-29 | Visa International Service Association | Methods and systems for providing personalized information |
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CA2675034A1 (en) | 2007-01-09 | 2008-07-17 | Visa U.S.A. Inc. | Contactless transaction |
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AU2004288988B2 (en) | 2010-08-19 |
US20170270520A1 (en) | 2017-09-21 |
EP1683090A2 (en) | 2006-07-26 |
JP5558329B2 (ja) | 2014-07-23 |
JP2011096272A (ja) | 2011-05-12 |
WO2005048020A2 (en) | 2005-05-26 |
WO2005048020A3 (en) | 2005-12-22 |
EP1683090A4 (en) | 2012-10-10 |
US20100023437A1 (en) | 2010-01-28 |
US9710811B2 (en) | 2017-07-18 |
JP4682147B2 (ja) | 2011-05-11 |
US20060179007A1 (en) | 2006-08-10 |
AU2004288988A1 (en) | 2005-05-26 |
US7653602B2 (en) | 2010-01-26 |
CA2545156A1 (en) | 2005-05-26 |
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