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1. (WO2015124776) A SYSTEM AND METHOD OF PROCESSING A SECURE PAYMENT TRANSACTION
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2015/124776 International Application No.: PCT/EP2015/053756
Publication Date: 27.08.2015 International Filing Date: 23.02.2015
IPC:
G06Q 20/02 (2012.01) ,G06Q 20/12 (2012.01) ,G06Q 20/32 (2012.01) ,G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
02
involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
08
Payment architectures
12
specially adapted for electronic shopping systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
DOLAN, Seamus [IE/IE]; IE (US)
DOMULAS LIMITED [IE/IE]; Ruane Knock County Mayo, IE
Inventors:
DOLAN, Seamus; IE
Agent:
O'CONNOR, Michael; IE
Priority Data:
1403097.721.02.2014GB
Title (EN) A SYSTEM AND METHOD OF PROCESSING A SECURE PAYMENT TRANSACTION
(FR) SYSTÈME ET PROCÉDÉ DE TRAITEMENT D'UNE TRANSACTION DE PAIEMENT SÉCURISÉE
Abstract:
(EN) This invention relates to a system (1) and method of processing a secure payment transaction. The system (1) comprises a purchaser's mobile computing device (MCD)(3) having a mobile payments application loaded thereon, a seller's webserver (5) hosting an e-commerce website, an independent authentication webserver (9) and an independent payment service provider (PSP) server (11). The system architecture and method ensure that authenticating communications are sent to the purchaser from two separate entities, the authentication webserver and the PSP server. The method ensures that both the purchaser and the payer are each authenticated in distinct two- step authentication processes, resulting in a four step authentication process in total. This provides a robust system and method. The system and method are device-specific in that they are tied to the purchaser's MCD, specifically a mobile telephone or smartphone,for additional payment transaction processing security.
(FR) La présente invention concerne un système (1) et un procédé de traitement d'une transaction de paiement sécurisée. Le système (1) comprend un dispositif informatique mobile (MCD) (3) d’un acheteur dans lequel est chargée une application de paiement mobile, un serveur Web (5) d’un vendeur hébergeant un site Web de commerce électronique, un serveur Web d'authentification indépendant (9) et un serveur (11) de fournisseur de services de paiement (PSP) indépendant. L'architecture du système et le procédé permettent de garantir que des communications d'authentification sont envoyées à l'acheteur à partir de deux entités séparées, le serveur Web d'authentification et le serveur de PSP. Le procédé permet de garantir que l'acheteur et le payeur sont tous les deux authentifiés lors de processus distincts d'authentification à deux étapes, ce qui donne au total un processus d'authentification à quatre étapes. Cela contribue à obtenir un système et un procédé robustes. Le système et le procédé sont spécifiques au dispositif du fait qu'ils sont liés au dispositif MCD de l'acheteur, spécifiquement un téléphone mobile ou un téléphone intelligent, pour une sécurité de traitement de transaction de paiement supplémentaire.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)