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1. WO2006052203 - APPARATUS AND METHOD FOR SECURE CREDIT CARD PROCESSING INFRASTRUCTURE

Publication Number WO/2006/052203
Publication Date 18.05.2006
International Application No. PCT/SE2005/001695
International Filing Date 10.11.2005
Chapter 2 Demand Filed 15.09.2006
IPC
G06F 1/00 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
1Details not covered by groups G06F3/-G06F13/82
G06Q 30/00 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
30Commerce, e.g. shopping or e-commerce
G07F 7/10 2006.01
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
7Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08by coded identity card or credit card
10together with a coded signal
CPC
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/102
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
102Bill distribution or payments
G06Q 20/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/4016
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4016involving fraud or risk level assessment in transaction processing
G06Q 30/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
30Commerce, e.g. shopping or e-commerce
04Billing or invoicing ; , e.g. tax processing in connection with a sale
Applicants
  • RUNTIME AB [SE]/[SE] (AllExceptUS)
  • ENGELBRECHT, Bo K. [SE]/[SE] (UsOnly)
Inventors
  • ENGELBRECHT, Bo K.
Agents
  • ALBIHNS STOCKHOLM AB
Priority Data
0402808-015.11.2004SE
60/522,86115.11.2004US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) APPARATUS AND METHOD FOR SECURE CREDIT CARD PROCESSING INFRASTRUCTURE
(FR) APPAREIL ET PROCEDE POUR INFRASTRUCTURE DE TRAITEMENT DE CARTE DE CREDIT SECURISE
Abstract
(EN)
The present invention relates to an apparatus and a method for secure value transactions between a customer and a merchant in a computerised environment being part of a global interconnecting network, such as the Internet. The method is adapted for utilising existing credit card processing infrastructure and includes the steps of: the customer obtaining a password, such as a PIN, from an intermediate transaction party and validating a server of the intermediate transaction party, the merchant having installed a code module function on its web-based service that generates a transaction identification number, and redirecting or presenting the customer with a link to the intermediate transaction party. The present invention is characterised by the intermediate transaction party presenting the customer with a password-protected account page to validate a purchase either by marking a correct validation or inputting the transaction identification number and amount.
(FR)
L'invention se rapporte à un appareil et un procédé de transactions de valeurs sécurisées entre un client et un marchand dans un environnement informatique faisant partie d'un réseau d'interconnexion global tel que l'Internet. Ce procédé est conçu pour utiliser une infrastructure de carte de crédit existante et comprend plusieurs étapes : obtention d'un mot de passe par le client, tel un numéro d'identification personnel, d'une partie intermédiaire à la transaction et validation d'un serveur de la partie intermédiaire à la transaction, le vendeur ayant installé une fonction de module de code sur son service web qui génère un numéro d'identification de transaction, et réorientation ou présentation du client avec un lien à la partie intermédiaire de transaction. Cette invention se caractérise par le fait que la partie intermédiaire de transaction présente le client avec une page de compte protégée par un mot de passe afin de valider un achat soit en notant une validation correcte soit en entrant le numéro d'identification de transaction et le montant.
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