WO1997041539A1 - A system and method for secure network electronic payment and credit collection - Google Patents
A system and method for secure network electronic payment and credit collection Download PDFInfo
- Publication number
- WO1997041539A1 WO1997041539A1 PCT/US1997/006934 US9706934W WO9741539A1 WO 1997041539 A1 WO1997041539 A1 WO 1997041539A1 US 9706934 W US9706934 W US 9706934W WO 9741539 A1 WO9741539 A1 WO 9741539A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- computer system
- payment
- computer
- merchant
- encrypted
- Prior art date
Links
Classifications
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- 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
-
- 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]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/10—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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of 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
- G06Q20/382—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
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3263—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3271—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using challenge-response
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU28115/97A AU2811597A (en) | 1996-04-26 | 1997-04-24 | A system and method for secure network electronic payment and credit collection |
DE69734059T DE69734059T2 (en) | 1996-04-26 | 1997-04-24 | DEVICE AND METHOD FOR ELECTRONIC PAYMENT AND CREDIT COLLECTION THROUGH A SECURED NETWORK |
JP53904797A JP4166280B2 (en) | 1996-04-26 | 1997-04-24 | Secure network electronic payment and credit collection system and method |
CA002252649A CA2252649C (en) | 1996-04-26 | 1997-04-24 | A system and method for secure network electronic payment and credit collection |
EP97922456A EP0907935B1 (en) | 1996-04-26 | 1997-04-24 | A system and method for secure network electronic payment and credit collection |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/639,909 | 1996-04-26 | ||
US08/639,909 US5987140A (en) | 1996-04-26 | 1996-04-26 | System, method and article of manufacture for secure network electronic payment and credit collection |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1997041539A1 true WO1997041539A1 (en) | 1997-11-06 |
Family
ID=24566073
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1997/006934 WO1997041539A1 (en) | 1996-04-26 | 1997-04-24 | A system and method for secure network electronic payment and credit collection |
Country Status (7)
Country | Link |
---|---|
US (2) | US5987140A (en) |
EP (1) | EP0907935B1 (en) |
JP (1) | JP4166280B2 (en) |
AU (1) | AU2811597A (en) |
CA (1) | CA2252649C (en) |
DE (1) | DE69734059T2 (en) |
WO (1) | WO1997041539A1 (en) |
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
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WO1999031610A1 (en) * | 1997-12-15 | 1999-06-24 | British Telecommunications Public Limited Company | Data communications |
GB2338381A (en) * | 1998-06-10 | 1999-12-15 | Barclays Bank Plc | Cryptographic authentication for internet using two servers |
DE19946537A1 (en) * | 1999-09-28 | 2001-04-05 | Deutsche Telekom Mobil | Procedure for billing internet services via mobile radio |
JP2004509390A (en) * | 2000-07-10 | 2004-03-25 | 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 | Method and system for executing secure e-commerce by looping back authorization request data |
WO2006079001A2 (en) | 2005-01-21 | 2006-07-27 | Visa International Service Association | Data exchanges related to financial transactions over a public network |
US7634445B1 (en) | 1999-09-28 | 2009-12-15 | T-Mobile Deutschland Gmbh | Method for billing internet transactions via mobile radio telephone service |
US8468089B1 (en) | 1998-09-21 | 2013-06-18 | International Business Machines Corporation | Method of improving security in electronic transactions |
US10147089B2 (en) | 2012-01-05 | 2018-12-04 | Visa International Service Association | Data protection with translation |
Families Citing this family (431)
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US10361802B1 (en) | 1999-02-01 | 2019-07-23 | Blanding Hovenweep, Llc | Adaptive pattern recognition based control system and method |
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US6477513B1 (en) * | 1997-04-03 | 2002-11-05 | Walker Digital, Llc | Method and apparatus for executing cryptographically-enabled letters of credit |
US6163771A (en) * | 1997-08-28 | 2000-12-19 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
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WO1999031610A1 (en) * | 1997-12-15 | 1999-06-24 | British Telecommunications Public Limited Company | Data communications |
AU753258B2 (en) * | 1997-12-15 | 2002-10-10 | British Telecommunications Public Limited Company | Data communications |
GB2338381A (en) * | 1998-06-10 | 1999-12-15 | Barclays Bank Plc | Cryptographic authentication for internet using two servers |
WO1999064995A1 (en) | 1998-06-10 | 1999-12-16 | Barclays Bank Plc | Secure transaction system |
US8468089B1 (en) | 1998-09-21 | 2013-06-18 | International Business Machines Corporation | Method of improving security in electronic transactions |
US7634445B1 (en) | 1999-09-28 | 2009-12-15 | T-Mobile Deutschland Gmbh | Method for billing internet transactions via mobile radio telephone service |
US7319855B1 (en) | 1999-09-28 | 2008-01-15 | T-Mobile Deutschland Gmbh | Method for charging internet services via a mobile telephone |
DE19946539B4 (en) * | 1999-09-28 | 2010-04-29 | T-Mobile Deutschland Gmbh | Method for billing Internet shops via mobile communications |
DE19946537A1 (en) * | 1999-09-28 | 2001-04-05 | Deutsche Telekom Mobil | Procedure for billing internet services via mobile radio |
JP2004509390A (en) * | 2000-07-10 | 2004-03-25 | 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 | Method and system for executing secure e-commerce by looping back authorization request data |
WO2006079001A2 (en) | 2005-01-21 | 2006-07-27 | Visa International Service Association | Data exchanges related to financial transactions over a public network |
EP1861945A2 (en) * | 2005-01-21 | 2007-12-05 | Visa International Service Association | Method and system for performing data exchanges related to financial transactions over a public network |
EP1861945A4 (en) * | 2005-01-21 | 2010-01-13 | Visa Int Service Ass | Method and system for performing data exchanges related to financial transactions over a public network |
US10147089B2 (en) | 2012-01-05 | 2018-12-04 | Visa International Service Association | Data protection with translation |
US11276058B2 (en) | 2012-01-05 | 2022-03-15 | Visa International Service Association | Data protection with translation |
Also Published As
Publication number | Publication date |
---|---|
JP4166280B2 (en) | 2008-10-15 |
AU2811597A (en) | 1997-11-19 |
EP0907935B1 (en) | 2005-08-24 |
DE69734059D1 (en) | 2005-09-29 |
CA2252649A1 (en) | 1997-11-06 |
US20030004894A1 (en) | 2003-01-02 |
DE69734059T2 (en) | 2006-06-14 |
EP0907935A1 (en) | 1999-04-14 |
JP2000510621A (en) | 2000-08-15 |
US5987140A (en) | 1999-11-16 |
CA2252649C (en) | 2002-08-06 |
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