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A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture

Info

Publication number
WO1998005011A3
WO1998005011A3 PCT/US1997/013673 US9713673W WO1998005011A3 WO 1998005011 A3 WO1998005011 A3 WO 1998005011A3 US 9713673 W US9713673 W US 9713673W WO 1998005011 A3 WO1998005011 A3 WO 1998005011A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
information
over
value
merchant
network
Prior art date
Application number
PCT/US1997/013673
Other languages
French (fr)
Other versions
WO1998005011A2 (en )
Inventor
Kevin T B Rowney
Original Assignee
Kevin T B Rowney
Verifone 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

Links

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L29/00Arrangements, apparatus, circuits or systems, not covered by a single one of groups H04L1/00 - H04L27/00 contains provisionally no documents
    • H04L29/02Communication control; Communication processing contains provisionally no documents
    • H04L29/06Communication control; Communication processing contains provisionally no documents characterised by a protocol
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/0823Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using certificates
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/0853Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using an additional device, e.g. smartcard, SIM or a different communication terminal

Abstract

An architecture that provides a server that communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers is disclosed. Service requests are associated with a particular merchant based on storefront visited by a consumer or credentials presented by a merchant. Service requests result in merchant specific transactions that are transmitted to the gateway for further processing on existing host applications. By presenting the appropriate credentials, the merchant could utilize any other computer attached to the Internet utilizing a SSL or SET protocol to query the vPOS system remotely and obtain capture information, payment administration information, inventory control information, audit information and process customer satisfaction information. Secure transmission of a value transfer protocol transaction is provided between a plurality of computer systems over a public communication system, such as the Internet. A connection is created between two computer systems using a public network, such as the Internet, to connect the computers. Then, digital certificates and a digital signature are exchanged to ensure that both parties are who they say they are. Finally, the two smart cards involved in a transaction are read by individual computers connected utilizing the network, and the value transfer protocol is executed over the secured network. The value transfer protocol facilitates the exchange of money between the two smart cards.
PCT/US1997/013673 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture WO1998005011A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US69290796 true 1996-07-31 1996-07-31
US08/692,907 1996-07-31

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP19970936382 EP0923769A2 (en) 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture

Publications (2)

Publication Number Publication Date
WO1998005011A2 true WO1998005011A2 (en) 1998-02-05
WO1998005011A3 true true WO1998005011A3 (en) 1998-05-07

Family

ID=24782536

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/013673 WO1998005011A3 (en) 1996-07-31 1997-07-31 A system, method and article of manufacture for secure, stored value transactions over an open communication network utilizing an extensible, flexible architecture

Country Status (2)

Country Link
EP (1) EP0923769A2 (en)
WO (1) WO1998005011A3 (en)

Families Citing this family (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6353812B2 (en) 1998-02-19 2002-03-05 Certco, Inc. Computer-based method and system for aiding transactions
US7240022B1 (en) 1998-05-19 2007-07-03 Mypoints.Com Inc. Demographic information gathering and incentive award system and method
US6738749B1 (en) * 1998-09-09 2004-05-18 Ncr Corporation Methods and apparatus for creating and storing secure customer receipts on smart cards
FI106495B (en) 1999-04-12 2001-02-15 Nokia Mobile Phones Ltd network element
WO2000079411A3 (en) * 1999-06-21 2002-11-28 Sun Microsystems Inc Method and apparatus for commercial transactions via the internet
US6643701B1 (en) * 1999-11-17 2003-11-04 Sun Microsystems, Inc. Method and apparatus for providing secure communication with a relay in a network
US6714982B1 (en) 2000-01-19 2004-03-30 Fmr Corp. Message passing over secure connections using a network server
US7333952B1 (en) 2000-06-23 2008-02-19 Ebs Group Limited Compound order handling in an anonymous trading system
US7024386B1 (en) 2000-06-23 2006-04-04 Ebs Group Limited Credit handling in an anonymous trading system
US7827085B1 (en) 2000-06-23 2010-11-02 Ebs Group Limited Conversational dealing in an anonymous trading system
US6983259B1 (en) 2000-06-23 2006-01-03 Ebs Group Limited Anonymous trading system
US7366690B1 (en) 2000-06-23 2008-04-29 Ebs Group Limited Architecture for anonymous trading system
GB2364586B (en) 2000-06-23 2004-06-16 Ebs Nominees Ltd Deal matching in an anonymous trading system
US7184982B1 (en) 2000-06-23 2007-02-27 Ebs Group Limited Architecture for anonymous trading system
WO2004012062A3 (en) 2002-07-30 2004-06-10 Acs State & Local Solutions In Systems and methods for processing benefits
US7587434B2 (en) 2002-10-01 2009-09-08 Acs State & Local Solutions, Inc. Method and system for managing a distributed transaction process
US8340979B2 (en) 2002-10-01 2012-12-25 Acs State & Local Solutions, Inc. Systems and methods for electronically processing government sponsored benefits
US8577795B2 (en) 2002-10-10 2013-11-05 Convergys Information Management Group, Inc. System and method for revenue and authorization management
US8489742B2 (en) 2002-10-10 2013-07-16 Convergys Information Management Group, Inc. System and method for work management
US7590980B1 (en) 2004-06-14 2009-09-15 Convergys Cmg Utah, Inc. System and method for a functional extensibility framework
US7668093B1 (en) 2004-08-05 2010-02-23 Convergys Information Management Group, Inc. Architecture for balancing workload

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4625276A (en) * 1983-08-31 1986-11-25 Vericard Corporation Data logging and transfer system using portable and resident units
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
EP0668579A2 (en) * 1994-02-08 1995-08-23 AT&T Corp. Secure money transfer techniques using smart cards
WO1995030211A1 (en) * 1994-04-28 1995-11-09 Citibank, N.A. Trusted agents for open electronic commerce
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4625276A (en) * 1983-08-31 1986-11-25 Vericard Corporation Data logging and transfer system using portable and resident units
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
EP0668579A2 (en) * 1994-02-08 1995-08-23 AT&T Corp. Secure money transfer techniques using smart cards
WO1995030211A1 (en) * 1994-04-28 1995-11-09 Citibank, N.A. Trusted agents for open electronic commerce
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Also Published As

Publication number Publication date Type
WO1998005011A2 (en) 1998-02-05 application
EP0923769A2 (en) 1999-06-23 application

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