WO2002097752A3 - A secure on-line payment system - Google Patents

A secure on-line payment system Download PDF

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Publication number
WO2002097752A3
WO2002097752A3 PCT/IE2002/000072 IE0200072W WO02097752A3 WO 2002097752 A3 WO2002097752 A3 WO 2002097752A3 IE 0200072 W IE0200072 W IE 0200072W WO 02097752 A3 WO02097752 A3 WO 02097752A3
Authority
WO
WIPO (PCT)
Prior art keywords
security
commerce
concept
present
card
Prior art date
Application number
PCT/IE2002/000072
Other languages
French (fr)
Other versions
WO2002097752A2 (en
Inventor
Gerard J Barry
Original Assignee
Mainline Corporate Holdings
Gerard J Barry
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 to US10/479,030 priority Critical patent/US8219488B2/en
Priority to APAP/P/2003/002943A priority patent/AP2875A/en
Priority to CA2462398A priority patent/CA2462398C/en
Priority to EP02735917A priority patent/EP1430455A2/en
Priority to NZ529828A priority patent/NZ529828A/en
Priority to KR10-2003-7001527A priority patent/KR20030019646A/en
Priority to HU0500520A priority patent/HU227081B1/en
Application filed by Mainline Corporate Holdings, Gerard J Barry filed Critical Mainline Corporate Holdings
Priority to EA200301199A priority patent/EA005835B1/en
Priority to JP2003500857A priority patent/JP2004533062A/en
Priority to BR0205535-0A priority patent/BR0205535A/en
Priority to DE20220745U priority patent/DE20220745U1/en
Priority to MXPA03011016A priority patent/MXPA03011016A/en
Priority to IL15904902A priority patent/IL159049A0/en
Priority to AU2002309199A priority patent/AU2002309199B2/en
Publication of WO2002097752A2 publication Critical patent/WO2002097752A2/en
Priority to NO20030537A priority patent/NO20030537L/en
Priority to IS7053A priority patent/IS7053A/en
Priority to BG108478A priority patent/BG66353B1/en
Publication of WO2002097752A3 publication Critical patent/WO2002097752A3/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
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/12—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

The present invention relates to the field of e-commerce and in particular to making purchases on-line using payment card, for example debit, charge or credit cards. The concept of the present invention adopts an alternative approach to security methods presently employed to protect cardholders. The concept obviates the need for a cardholder to transmit Card Numbers along with other purchasing details at the time of purchase and couples this with the use of a password feature. This renders the transaction akin to a Bank Cash withdrawal that Bank/card Schemes are totally happy with from a security point of view but are reluctant to allow e-commerce and/or any others access to their 'network' to ensure Security.
PCT/IE2002/000072 2001-06-01 2002-06-04 A secure on-line payment system WO2002097752A2 (en)

Priority Applications (17)

Application Number Priority Date Filing Date Title
IL15904902A IL159049A0 (en) 2001-06-01 2002-06-04 A secure on-line payment system
CA2462398A CA2462398C (en) 2001-06-01 2002-06-04 A secure on-line payment system
EP02735917A EP1430455A2 (en) 2001-06-01 2002-06-04 A secure on-line payment system
NZ529828A NZ529828A (en) 2001-06-01 2002-06-04 A secure on-line payment system
KR10-2003-7001527A KR20030019646A (en) 2001-06-01 2002-06-04 A secure on-line payment system
HU0500520A HU227081B1 (en) 2001-06-01 2002-06-04 Computer data processing method and system for on-line payment transactions, as well as payment processing system
BR0205535-0A BR0205535A (en) 2001-06-01 2002-06-04 Secure Online Payments System
EA200301199A EA005835B1 (en) 2001-06-01 2002-06-04 A secure on-line payment system
JP2003500857A JP2004533062A (en) 2001-06-01 2002-06-04 Secure online payment system
US10/479,030 US8219488B2 (en) 2001-06-01 2002-06-04 Secure payment system
DE20220745U DE20220745U1 (en) 2001-06-01 2002-06-04 On-line payment transaction processing method involves sending payment card details and payment authorization request to authorization host that may forward authorization confirmation to merchant
MXPA03011016A MXPA03011016A (en) 2001-06-01 2002-06-04 A secure on-line payment system.
APAP/P/2003/002943A AP2875A (en) 2001-06-01 2002-06-04 A secure on-line payment system
AU2002309199A AU2002309199B2 (en) 2001-06-01 2002-06-04 A secure on-line payment system
NO20030537A NO20030537L (en) 2001-06-01 2003-02-03 Secure online payment system
IS7053A IS7053A (en) 2001-06-01 2003-11-26 Secure online payment system
BG108478A BG66353B1 (en) 2001-06-01 2003-12-19 A secure on-line payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IE20010524A IES20010524A2 (en) 2001-06-01 2001-06-01 A secure on-line payment system
IES20010524 2001-06-01

Publications (2)

Publication Number Publication Date
WO2002097752A2 WO2002097752A2 (en) 2002-12-05
WO2002097752A3 true WO2002097752A3 (en) 2004-04-08

Family

ID=11042787

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IE2002/000072 WO2002097752A2 (en) 2001-06-01 2002-06-04 A secure on-line payment system

Country Status (24)

Country Link
US (1) US8219488B2 (en)
EP (1) EP1430455A2 (en)
JP (1) JP2004533062A (en)
KR (1) KR20030019646A (en)
CN (2) CN1556972A (en)
AP (1) AP2875A (en)
AU (1) AU2002309199B2 (en)
BG (1) BG66353B1 (en)
BR (1) BR0205535A (en)
CA (1) CA2462398C (en)
DE (1) DE20220745U1 (en)
EA (1) EA005835B1 (en)
HU (1) HU227081B1 (en)
IE (2) IES20010524A2 (en)
IL (1) IL159049A0 (en)
IS (1) IS7053A (en)
MX (1) MXPA03011016A (en)
NO (1) NO20030537L (en)
NZ (1) NZ529828A (en)
PL (1) PL366838A1 (en)
TR (1) TR200302226T1 (en)
WO (1) WO2002097752A2 (en)
YU (1) YU8003A (en)
ZA (1) ZA200300887B (en)

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AU2003295415B2 (en) 2002-11-07 2010-12-09 Planet Payment, Inc. Time-of-transaction foreign currency conversion
GB0302320D0 (en) * 2003-01-31 2003-03-05 Neopost Ltd Mail handling system
US8732044B2 (en) 2006-05-23 2014-05-20 Mastercard International Incorporated Electronic transaction apparatus and method
US8175961B2 (en) * 2006-11-17 2012-05-08 Visa International Service Association Method and system for using payment history for conducting commercial transactions
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
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US8078531B2 (en) 2007-04-25 2011-12-13 Pe Systems, Llc Auditing or determining reductions to card-issuer interchange fees
WO2008144772A1 (en) * 2007-05-24 2008-11-27 Arpu, Inc. Subscription promotion and management system and method
US7882026B1 (en) 2007-07-25 2011-02-01 United Services Automobile Association (Usaa) Systems and methods for a flat interchange fee for high value credit card purchases
US20090182675A1 (en) * 2008-01-04 2009-07-16 Brody Edward Method and system for conducting electronic commerce over a network using a shadow credit card number
US10970777B2 (en) 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
RU2581784C2 (en) 2010-02-12 2016-04-20 Мастеркард Интернейшнл Инкорпорейтед Apparatus and method for bill presentment and payment
CN102592219B (en) * 2012-01-21 2016-06-15 博泰雄森（北京）网络科技有限公司 Based on authorization code and the method for payment of mobile terminal number correlation, system and equipment
EP2775687A1 (en) * 2013-03-04 2014-09-10 British Telecommunications public limited company Secure data entry system
CN103198397B (en) * 2013-04-12 2014-12-17 江苏通付盾信息科技有限公司 Mobile payment method based on risk assessment and multiple credibility judgment steps
US9767457B1 (en) 2013-08-19 2017-09-19 Marqeta, Inc. System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card
US9613358B1 (en) 2013-08-19 2017-04-04 Marqeta, Inc. System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests
CN105577730A (en) * 2014-10-24 2016-05-11 腾讯数码（深圳）有限公司 Data transfer method and device
US10043160B2 (en) * 2015-01-16 2018-08-07 Bank Of America Corporation Method and apparatus for providing a balance-verified ACH identifier
US11636465B1 (en) 2015-10-21 2023-04-25 Marqeta, Inc. System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase
US11023885B2 (en) 2017-06-30 2021-06-01 Marqeta, Inc. System, method, and computer program for securely transmitting and presenting payment card data in a web client
CN113191766B (en) * 2021-05-08 2022-09-13 上海亿为科技有限公司 Method, device and equipment for verifying payment behavior safety based on cloud computing

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Also Published As

Publication number Publication date
CA2462398C (en) 2017-02-14
CN1556972A (en) 2004-12-22
EA200301199A1 (en) 2004-06-24
EA005835B1 (en) 2005-06-30
MXPA03011016A (en) 2005-09-21
BG66353B1 (en) 2013-08-30
HUP0500520A2 (en) 2005-08-29
IES20020450A2 (en) 2002-12-11
ZA200300887B (en) 2004-07-20
HU227081B1 (en) 2010-06-28
IS7053A (en) 2003-11-26
CN101630390A (en) 2010-01-20
IES20010524A2 (en) 2002-12-11
TR200302226T1 (en) 2004-09-21
US8219488B2 (en) 2012-07-10
EP1430455A2 (en) 2004-06-23
BR0205535A (en) 2003-07-08
KR20030019646A (en) 2003-03-06
WO2002097752A2 (en) 2002-12-05
NO20030537D0 (en) 2003-02-03
PL366838A1 (en) 2005-02-07
NZ529828A (en) 2006-09-29
JP2004533062A (en) 2004-10-28
CA2462398A1 (en) 2002-12-05
DE20220745U1 (en) 2004-03-04
AP2875A (en) 2014-03-31
US20050049963A1 (en) 2005-03-03
IL159049A0 (en) 2004-05-12
YU8003A (en) 2004-09-03
NO20030537L (en) 2003-03-31
BG108478A (en) 2005-02-28
AU2002309199B2 (en) 2006-12-21

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