SG10201800711VA - Computer system and computer-implemented method for secure e-commerce - Google Patents

Computer system and computer-implemented method for secure e-commerce

Info

Publication number
SG10201800711VA
SG10201800711VA SG10201800711VA SG10201800711VA SG10201800711VA SG 10201800711V A SG10201800711V A SG 10201800711VA SG 10201800711V A SG10201800711V A SG 10201800711VA SG 10201800711V A SG10201800711V A SG 10201800711VA SG 10201800711V A SG10201800711V A SG 10201800711VA
Authority
SG
Singapore
Prior art keywords
payment
pan
account number
commerce
personal account
Prior art date
Application number
SG10201800711VA
Inventor
Arora Ankur
Original Assignee
Mastercard International Inc
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 Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201800711VA priority Critical patent/SG10201800711VA/en
Priority to PCT/US2018/062708 priority patent/WO2019147337A1/en
Priority to US16/256,853 priority patent/US20190236592A1/en
Publication of SG10201800711VA publication Critical patent/SG10201800711VA/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • 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
    • G06Q20/3672—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 initialising or reloading thereof
    • 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
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Computer system and computer-implemented method for secure e-commerce A payment network server for secure e-commerce is described. The payment network server comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the computer processor to: receive, from an issuer server associated with an issuer application, a request for a payment token, the request comprising a payment amount and a transaction time from an e-commerce site of a merchant and a customer identifier verified by the issuer application; generate a payment token comprising the payment amount, the transaction time and a tokenized personal account number (PAN) associated with the customer identifier, the payment token being generated in an encrypted form; transmit the payment token to the issuer application for uploading into the e-commerce site; receive, from the e-commerce site, a payment transaction request comprising the payment token and the merchant identifier; decrypt the payment token back into the payment amount, the transaction time and the tokenized personal account number (PAN); map the tokenized personal account number (PAN) to a customer personal account number (PAN); and transmit the payment amount, the transaction time, the customer personal account number (PAN) and the merchant identifier to the issuer server for validation and authorisation of the payment transaction request. [Figure to print with the abstract: Fig. ] 18
SG10201800711VA 2018-01-26 2018-01-26 Computer system and computer-implemented method for secure e-commerce SG10201800711VA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201800711VA SG10201800711VA (en) 2018-01-26 2018-01-26 Computer system and computer-implemented method for secure e-commerce
PCT/US2018/062708 WO2019147337A1 (en) 2018-01-26 2018-11-28 Computer system and computer-implemented method for secure e-commerce
US16/256,853 US20190236592A1 (en) 2018-01-26 2019-01-24 Computer system and computer-implemented method for secure e-commerce

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201800711VA SG10201800711VA (en) 2018-01-26 2018-01-26 Computer system and computer-implemented method for secure e-commerce

Publications (1)

Publication Number Publication Date
SG10201800711VA true SG10201800711VA (en) 2019-08-27

Family

ID=67393499

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201800711VA SG10201800711VA (en) 2018-01-26 2018-01-26 Computer system and computer-implemented method for secure e-commerce

Country Status (3)

Country Link
US (1) US20190236592A1 (en)
SG (1) SG10201800711VA (en)
WO (1) WO2019147337A1 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11257085B1 (en) 2015-12-11 2022-02-22 Wells Fargo Bank, N.A Systems and methods for authentication device-assisted transactions
US11875418B2 (en) * 2018-06-07 2024-01-16 American Express Travel Related Services Company, Inc. Automated remote payments between a vehicle and a refueling station
SG11202104236UA (en) * 2018-11-16 2021-05-28 Visa Int Service Ass System, method, and apparatus for generating tokenized images
US11997190B2 (en) 2019-06-05 2024-05-28 Mastercard International Incorporated Credential management in distributed computing system
EP3819766A1 (en) * 2019-11-08 2021-05-12 Mastercard International Incorporated Event management in distributed computing system
CN112749175B (en) * 2019-10-30 2023-10-03 网联清算有限公司 Transaction processing method and device, electronic equipment and medium

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6908030B2 (en) * 2001-10-31 2005-06-21 Arcot Systems, Inc. One-time credit card number generator and single round-trip authentication
US20150161596A1 (en) * 2013-12-05 2015-06-11 Alliance Messaging Limited Token used in lieu of account identifier
JP6408293B2 (en) * 2014-08-11 2018-10-17 株式会社日立システムズ Payment information processing apparatus, payment method, program, and payment system
WO2017184121A1 (en) * 2016-04-19 2017-10-26 Visa International Service Association Systems and methods for performing push transactions
US10755267B2 (en) * 2016-06-08 2020-08-25 American Express Travel Related Services Company, Inc. Systems and methods for a merchant-specific payment token

Also Published As

Publication number Publication date
US20190236592A1 (en) 2019-08-01
WO2019147337A1 (en) 2019-08-01

Similar Documents

Publication Publication Date Title
SG10201800711VA (en) Computer system and computer-implemented method for secure e-commerce
US20200356992A1 (en) Method for Securely Storing and Forwarding Payment Transactions
CN105960776B (en) Token authentication using limited-use credentials
US10089606B2 (en) System and method for trusted mobile device payment
US9165321B1 (en) Optimistic receipt flow
US20160203477A1 (en) Cryptographic security for electronic transactions
CN108702294A (en) Using the Verification System and method of location matches
US20220076246A1 (en) Method, system, and computer readable medium for transferring cryptographic tokens
TWI648680B (en) System of smart contract, method for making the contract and computer-readable storage device
SG10201808702UA (en) Systems and methods for use in authenticating users in connection with network transactions
CN110213251B (en) Method for anonymously reporting reward distribution, method for obtaining reward, equipment and storage medium
US20160321650A1 (en) Online transactions
CN106663272A (en) Electronic transaction certificate management system
SG10201800215WA (en) A tokenisation platform and computer-implemented method for generating a modified payment token for an express payment transaction
CA3058560C (en) Cross-funds management server-based payment system, and method, device and server therefor
CA2988809C (en) Cross-funds management server-based payment system, and method, device and server therefor
CN103700188B (en) The method of pay imformation is bought in the omnidistance self-help charging of water, electricity, gas self-service unloading
RU2018137870A (en) SYSTEMS AND METHODS FOR INDUCING TRANSACTIONS
TWI675336B (en) System of smart ticket, method for issuing ticket and computer-readable storage device
CA3133527A1 (en) Cross-funds management server-based payment system, and method, device and server
JP6844828B1 (en) Information processing method, information processing device, information processing program and recording medium
CA2987660C (en) Payment system based on shared funds-management server, and method, device and server therefor
CA3094228A1 (en) Cross-funds management server-based payment system, and method, device and server therefor
KR20160000600A (en) Method for authenticating electronic financial transaction using payment informaion seperation
TWI786388B (en) Electronic voucher and method for automatic processing the same