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

Method and apparatus for secure payment processing Download PDF

Info

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
WIPO (PCT)
Prior art keywords
payment processing
merchant system
customer
verification information
during
Prior art date
Application number
PCT/US2001/032416
Other languages
French (fr)
Other versions
WO2002033363A2 (en
Inventor
Joshua Edwards Bixler
Juan Enrique Aguilar
Original Assignee
Joshua Edwards Bixler
Juan Enrique Aguilar
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 Joshua Edwards Bixler, Juan Enrique Aguilar filed Critical Joshua Edwards Bixler
Priority to AU2002214606A priority Critical patent/AU2002214606A1/en
Publication of WO2002033363A2 publication Critical patent/WO2002033363A2/en
Publication of WO2002033363A3 publication Critical patent/WO2002033363A3/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
    • G06Q20/04—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
    • G06Q20/02—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
    • G06Q20/08—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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, 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 WO2002033363A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002214606A AU2002214606A1 (en) 2000-10-18 2001-10-18 Method and apparatus for secure payment processing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US24132500P 2000-10-18 2000-10-18
US60/241,325 2000-10-18

Publications (2)

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

Family

ID=22910237

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/032416 WO2002033363A2 (en) 2000-10-18 2001-10-18 Method and apparatus for secure payment processing

Country Status (2)

Country Link
AU (1) AU2002214606A1 (en)
WO (1) WO2002033363A2 (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
US8346666B2 (en) * 2010-01-19 2013-01-01 Visa Intellectual 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
WO2002033363A2 (en) 2002-04-25
AU2002214606A1 (en) 2002-04-29

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