SG11201808714WA - System and method for secure web payments - Google Patents

System and method for secure web payments

Info

Publication number
SG11201808714WA
SG11201808714WA SG11201808714WA SG11201808714WA SG11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA
Authority
SG
Singapore
Prior art keywords
payment
merchant
international
commerce
computer
Prior art date
Application number
SG11201808714WA
Inventor
Parveen Bansal
Barbara Patterson
Aparna Girish
Original Assignee
Visa Int Service Ass
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 Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG11201808714WA publication Critical patent/SG11201808714WA/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
    • G06Q20/38—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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/38—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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Landscapes

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

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property —, Organization MD 1111101110101011111 Mt 011131111130 1111111101111101111011# International Bureau 0.. .... .. ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/181185 Al 19 October 2017(19.10.2017) WIPO I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/00 (2012.01) kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, (21) International Application Number: BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, PCT/US2017/027957 DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, (22) International Filing Date: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, 17 April 2017 (17.04.2017) KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, (25) Filing Language: English NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, (26) Publication Language: English RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, (30) Priority Data: ZA, ZM, ZW. 62/323,148 15 April 2016 (15.04.2016) US (84) Designated States (unless otherwise indicated, for every (71) Applicant: VISA INTERNATIONAL SERVICE A550- kind of regional protection available): ARIPO (BW, GH, CIATION [US/US]; P.O. Box 8999, San Francisco, CA GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, 94128 (US). TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, (72) Inventors: BANSAL, Parveen; 901 Metro Center Blvd., TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, Foster City, CA 94404 (US). PATTERSON, Barbara, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, Elizabeth; 901 Metro Center Blvd., Foster City, CA 94404 LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, (US). GIRISH, Aparna, Krishnan; 901 Metro Center SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, — Blvd., Foster City, CA 94404 (US). GW, KM, ML, MR, NE, SN, TD, TG). Published: (74) Agent: SMITH, Andrew, R.; Loeb & Loeb LLP, 321 N. = Clark Street, Suite 2300, Chicago, IL 60654 (US). — with international search report (Art. 21(3)) = = = (54) Title: SYSTEM AND METHOD FOR SECURE WEB PAYMENTS ( -106 100 112~Yment Network System r---103 — _ Module ,--120 Account Holder Computer System = = Ng . C.----) 1,2011 III3 Ell ( .408 102 ® El = Enabler Module .1,....._ -------_,.... 3' Network I133 A = — 2 6 • .. 131 , ,II 132 Merchant E-Commerce Co puler System 154 ___.d .1...110 — , , Ja - _ _ 113_ 11. _ 0 0.LIMI 144 158 LW Token Service Provide 152 132 Module Ell Module 1-1 0 FIG 1 ; ECI2 MEI kin cc 13 • N 140 1M N_.104 Il 1 -1 (57) : Systems and methods may facilitate payment transactions between user computer systems and merchant computer X ) I-1 systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On exe - ---- cution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer I-1 system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary ac - C count holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment ei network system, create payment payload data from data returned by the payment network system, and forward the payload data to 0 the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer P.- system.
SG11201808714WA 2016-04-15 2017-04-17 System and method for secure web payments SG11201808714WA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201662323148P 2016-04-15 2016-04-15
PCT/US2017/027957 WO2017181185A1 (en) 2016-04-15 2017-04-17 System and method for secure web payments

Publications (1)

Publication Number Publication Date
SG11201808714WA true SG11201808714WA (en) 2018-11-29

Family

ID=60039517

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201808714WA SG11201808714WA (en) 2016-04-15 2017-04-17 System and method for secure web payments

Country Status (9)

Country Link
US (1) US20170300909A1 (en)
EP (1) EP3443515A4 (en)
JP (1) JP2019517055A (en)
CN (1) CN109155026A (en)
AU (1) AU2017250377A1 (en)
CA (1) CA3019922A1 (en)
RU (1) RU2018136099A (en)
SG (1) SG11201808714WA (en)
WO (1) WO2017181185A1 (en)

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US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10706400B1 (en) 2015-11-19 2020-07-07 Wells Fargo Bank, N.A. Systems and methods for financial operations performed at a contactless ATM
US10535047B1 (en) * 2015-11-19 2020-01-14 Wells Fargo Bank N.A. Systems and methods for financial operations performed at a contactless ATM
US11645697B2 (en) * 2016-10-06 2023-05-09 Bread Financial Payments, Inc. Simple checkout
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US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
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Also Published As

Publication number Publication date
RU2018136099A (en) 2020-05-15
US20170300909A1 (en) 2017-10-19
EP3443515A4 (en) 2019-04-03
EP3443515A1 (en) 2019-02-20
AU2017250377A1 (en) 2018-10-25
JP2019517055A (en) 2019-06-20
CN109155026A (en) 2019-01-04
RU2018136099A3 (en) 2020-07-30
CA3019922A1 (en) 2017-10-19
WO2017181185A1 (en) 2017-10-19

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