WO2002079911A3 - Systeme et procede pour effectuer des operations de paiement sures - Google Patents

Systeme et procede pour effectuer des operations de paiement sures Download PDF

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Publication number
WO2002079911A3
WO2002079911A3 PCT/US2002/010356 US0210356W WO02079911A3 WO 2002079911 A3 WO2002079911 A3 WO 2002079911A3 US 0210356 W US0210356 W US 0210356W WO 02079911 A3 WO02079911 A3 WO 02079911A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
payment
request message
authorization request
sent
Prior art date
Application number
PCT/US2002/010356
Other languages
English (en)
Other versions
WO2002079911A2 (fr
Inventor
Edward J Hogan
Carl Campbell
Arthur Kranzley
Bruce Rutherford
Stephen Orfei
Original Assignee
Mastercard International Inc
Edward J Hogan
Carl Campbell
Arthur Kranzley
Bruce Rutherford
Stephen Orfei
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
Priority claimed from US09/886,486 external-priority patent/US7177848B2/en
Priority claimed from US09/886,485 external-priority patent/US6990470B2/en
Priority claimed from US09/963,274 external-priority patent/US20020042781A1/en
Application filed by Mastercard International Inc, Edward J Hogan, Carl Campbell, Arthur Kranzley, Bruce Rutherford, Stephen Orfei filed Critical Mastercard International Inc
Priority to CA002442814A priority Critical patent/CA2442814A1/fr
Priority to JP2002577680A priority patent/JP2004535619A/ja
Priority to AU2002254513A priority patent/AU2002254513B8/en
Priority to EP02723747A priority patent/EP1374131A4/fr
Publication of WO2002079911A2 publication Critical patent/WO2002079911A2/fr
Publication of WO2002079911A3 publication Critical patent/WO2002079911A3/fr

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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]
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/38—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
    • 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
    • G06Q20/403—Solvency checks

Landscapes

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

Abstract

L'invention concerne un système de paiement électronique sûr dans lequel des données d'authentification sont envoyées d'un émetteur de comptes de paiement à un logiciel utilisateur exploité par un acheteur. Le logiciel utilisateur envoie les données d'authentification à un commerçant en utilisant des champs cachés dans la page web de ce dernier. Le commerçant produit un message de demande d'autorisation basé sur les données d'authentification. Le message de demande d'autorisation est envoyé à un organisme de paiement soit directement depuis le commerçant, soit par l'acquéreur du commerçant. L'organisme de paiement transmet le message de demande d'autorisation à un émetteur de comptes de paiement. Celui-ci vérifie le message de demande d'autorisation et produit un message de réponse d'autorisation, lequel est envoyé à l'organisme de paiement. L'organisme de paiement transmet au commerçant le message de réponse d'autorisation soit directement, soit par l'intermédiaire de l'acquéreur.
PCT/US2002/010356 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures WO2002079911A2 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA002442814A CA2442814A1 (fr) 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures
JP2002577680A JP2004535619A (ja) 2001-04-02 2002-04-02 安全な決済取引を行うシステムと方法
AU2002254513A AU2002254513B8 (en) 2001-04-02 2002-04-02 System and method for conducting secure payment transactions
EP02723747A EP1374131A4 (fr) 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures

Applications Claiming Priority (12)

Application Number Priority Date Filing Date Title
US28077601P 2001-04-02 2001-04-02
US60/280,776 2001-04-02
US29563001P 2001-06-04 2001-06-04
US60/295,630 2001-06-04
US09/886,485 2001-06-22
US09/886,486 2001-06-22
US09/886,486 US7177848B2 (en) 2000-04-11 2001-06-22 Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US09/886,485 US6990470B2 (en) 2000-04-11 2001-06-22 Method and system for conducting secure payments over a computer network
US30757501P 2001-07-24 2001-07-24
US60/307,575 2001-07-24
US09/963,274 US20020042781A1 (en) 2000-09-27 2001-09-26 Universal and interoperable system and method utilizing a universal cardholder authentication field (UCAF) for authentication data collection and validation
US09/963,274 2001-09-26

Publications (2)

Publication Number Publication Date
WO2002079911A2 WO2002079911A2 (fr) 2002-10-10
WO2002079911A3 true WO2002079911A3 (fr) 2003-07-03

Family

ID=27559554

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/010356 WO2002079911A2 (fr) 2001-04-02 2002-04-02 Systeme et procede pour effectuer des operations de paiement sures

Country Status (5)

Country Link
EP (1) EP1374131A4 (fr)
JP (1) JP2004535619A (fr)
AU (1) AU2002254513B8 (fr)
CA (1) CA2442814A1 (fr)
WO (1) WO2002079911A2 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2011239307B2 (en) * 2003-06-10 2015-04-16 Mastercard International Incorporated Systems and methods for conducting secure payment transactions using a formatted data structure
JP2007517272A (ja) 2003-06-10 2007-06-28 マスターカード インターナシヨナル インコーポレーテツド フォーマット化したデータ構造を用いた保証付き決済取引システム及び方法
US7941755B2 (en) * 2007-04-19 2011-05-10 Art Technology Group, Inc. Method and apparatus for web page co-browsing
FR3030828A1 (fr) * 2014-12-22 2016-06-24 Orange Procede de securisation de transactions sans contact
US11120443B2 (en) * 2015-11-11 2021-09-14 Visa International Service Association Browser extension with additional capabilities

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5754656A (en) * 1995-08-04 1998-05-19 Hitachi, Ltd. Electronic shopping method, electronic shopping system and document authenticating method relating thereto
US6205436B1 (en) * 1994-04-28 2001-03-20 Citibank, N.A. Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized
WO2001071675A1 (fr) * 2000-03-22 2001-09-27 France Telecom Procede cryptographique de protection contre la fraude
US20020083010A1 (en) * 2000-12-11 2002-06-27 Namsuk Kim Electronic identification system

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5960411A (en) * 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
EP1028401A3 (fr) * 1999-02-12 2003-06-25 Citibank, N.A. Méthode et système pour exécuter une transaction avec cartes bancaires
WO2001007873A2 (fr) * 1999-07-21 2001-02-01 E-Payments Procede de realisation de transaction sur un reseau

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6205436B1 (en) * 1994-04-28 2001-03-20 Citibank, N.A. Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized
US5754656A (en) * 1995-08-04 1998-05-19 Hitachi, Ltd. Electronic shopping method, electronic shopping system and document authenticating method relating thereto
WO2001071675A1 (fr) * 2000-03-22 2001-09-27 France Telecom Procede cryptographique de protection contre la fraude
US20020083010A1 (en) * 2000-12-11 2002-06-27 Namsuk Kim Electronic identification system

Also Published As

Publication number Publication date
EP1374131A4 (fr) 2007-04-18
AU2002254513B2 (en) 2008-01-31
EP1374131A2 (fr) 2004-01-02
CA2442814A1 (fr) 2002-10-10
AU2002254513B8 (en) 2008-02-21
JP2004535619A (ja) 2004-11-25
WO2002079911A2 (fr) 2002-10-10

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