WO2002033363A3 - Method and apparatus for secure payment processing - Google Patents

Method and apparatus for secure payment processing Download PDF

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Publication number
WO2002033363A3
WO2002033363A3 PCT/US2001/032416 US0132416W WO0233363A3 WO 2002033363 A3 WO2002033363 A3 WO 2002033363A3 US 0132416 W US0132416 W US 0132416W WO 0233363 A3 WO0233363 A3 WO 0233363A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
payment processing
merchant system
customer
system
during
Prior art date
Application number
PCT/US2001/032416
Other languages
French (fr)
Other versions
WO2002033363A2 (en )
Inventor
Juan Enrique Aguilar
Joshua Edwards Bixler
Original Assignee
Juan Enrique Aguilar
Joshua Edwards Bixler
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

    • 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
    • G06Q20/04Payment circuits
    • 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
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Abstract

A computer-implemented system and method for secure payment processing. After a customer connects to a merchant system via a data network and makes transactions thereon, the customer is directed to a payment processing system other than the merchant system on which the transactions are made, to submit sensitive verification information, such as credit card numbers and expiration dates, via an independent data link without passing through the merchant system. Therefore, the merchant system does not retain information related to sensitive verification information during payment processing. In addition, during submitting the verification information, the customer is presented with a user interface having the exact same or substantially similar look and feel as that provided by the merchant system during the transaction.
PCT/US2001/032416 2000-10-18 2001-10-18 Method and apparatus for secure payment processing WO2002033363A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US24132500 true 2000-10-18 2000-10-18
US60/241,325 2000-10-18

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
AU1460602A AU1460602A (en) 2000-10-18 2001-10-18 Method and apparatus for secure payment processing

Publications (2)

Publication Number Publication Date
WO2002033363A2 true WO2002033363A2 (en) 2002-04-25
WO2002033363A3 true true WO2002033363A3 (en) 2003-10-30

Family

ID=22910237

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/032416 WO2002033363A3 (en) 2000-10-18 2001-10-18 Method and apparatus for secure payment processing

Country Status (1)

Country Link
WO (1) WO2002033363A3 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6748367B1 (en) * 1999-09-24 2004-06-08 Joonho John Lee Method and system for effecting financial transactions over a public network without submission of sensitive information
EP2526517B1 (en) * 2010-01-19 2018-08-08 Visa International Service Association Token based transaction authentication

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0801479A1 (en) * 1995-12-29 1997-10-15 AT&T Corp. Data network security system and method
EP0813325A2 (en) * 1996-06-12 1997-12-17 AT&T Corp. A mechanism for enabling secure electronic transactions on the open internet
WO1998040809A2 (en) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Method and system for secure online transaction processing
EP0889620A2 (en) * 1997-07-03 1999-01-07 Oki Electric Industry Co., Ltd. Secure data communication method and system
FR2795265A1 (en) * 1999-06-18 2000-12-22 Jean Pierre Frouin Processing of a transaction between a merchant Internet site and a customer.
EP1107197A2 (en) * 1999-12-03 2001-06-13 Nec Corporation Electronic settlement system using separate communication channels for settlement between sales and payee terminals

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0801479A1 (en) * 1995-12-29 1997-10-15 AT&T Corp. Data network security system and method
EP0813325A2 (en) * 1996-06-12 1997-12-17 AT&T Corp. A mechanism for enabling secure electronic transactions on the open internet
WO1998040809A2 (en) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Method and system for secure online transaction processing
EP0889620A2 (en) * 1997-07-03 1999-01-07 Oki Electric Industry Co., Ltd. Secure data communication method and system
FR2795265A1 (en) * 1999-06-18 2000-12-22 Jean Pierre Frouin Processing of a transaction between a merchant Internet site and a customer.
EP1107197A2 (en) * 1999-12-03 2001-06-13 Nec Corporation Electronic settlement system using separate communication channels for settlement between sales and payee terminals

Also Published As

Publication number Publication date Type
WO2002033363A2 (en) 2002-04-25 application

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