USRE40444E1 - Four-party credit/debit payment protocol - Google Patents
Four-party credit/debit payment protocol Download PDFInfo
- Publication number
- USRE40444E1 USRE40444E1 US10/622,058 US62205803A USRE40444E US RE40444 E1 USRE40444 E1 US RE40444E1 US 62205803 A US62205803 A US 62205803A US RE40444 E USRE40444 E US RE40444E
- Authority
- US
- United States
- Prior art keywords
- merchant
- consumer
- computer
- gateway
- issuer
- Prior art date
- Legal status (The legal status 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 status listed.)
- Expired - Lifetime
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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
- G06Q20/38—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
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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
- G06Q20/02—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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
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- Acquirer—The financial institution (or an agent of the financial institution) that receives from the merchant the financial data relating to a transaction authorizes the transaction, obtains the funds from the issuer, and pays those funds into a merchant financial account. The acquiring institution can act as its own merchant certificate authority (MCA) or can contract with a third party for service.
- Authentication—In computer security, the process used to verify the identity of a user or the user's eligibility to access an object; verification that a message has not been altered or corrupted; a process used to verify the user of an information system or protected resources.
- Authorization—In payment card systems, the process used to verify that a credit or debit account is valid and holds sufficient credit or funds to cover a particular payment. Authorization is performed before goods or services are provided, in order to ensure that the cardholder credit can support payment.
- Browser—A computer program that allows a user to read hypertext messages such as HTML pages on the World Wide Web.
- Capture—In payment card systems, the process used by a merchant to claim payment from an issuing bank via an acquiring bank. Capture is performed after goods and services are provided. Optionally, capture may be combined with authorization in the case where goods or services are provided at the time of authorization.
- Cardholder—A person who has a valid payment card account and uses software that supports electronic commerce. Also known as shopper, online shopper, consumer, or buyer.
- Certificate—A document issued by a trusted party that serves as physical evidence of the identity and privileges of the holder. Usually used as synonymous with an electronic certificate or digital certificate since an actual document is of little value in a world of electronic commerce.
- Certificate authority (CA)—an organization that issues certificates. The CA responds to the actions of a Registration Authority (RA) and issues new certificates, manages existing certificates, renews existing certificates, and revokes certificates belonging to users who are no longer authorized to use them.
- Certificate chain—a hierarchy of trusted digital certificates that can be “chained” or authenticated back to the “chain's” ultimate trust level—the top of the hierarchy called the “root certificate.”
- Digital certificate—An electronic document digitally signed by a trusted party. The digital certificate binds a person's or entity's unique name to a public/private key pair.
- Digital signature—Data that is appended to, or is a cryptographic transformation of, a data unit. Digital signature enables the recipient of the data unit to verify the source and integrity of the unit and to recognize potential forgery.
- Digital wallet or Consumer wallet—Software that works like a physical wallet during electronic commerce transactions. A wallet can hold a user's payment information, a digital certificate to identify the user, and shipping information to speed transactions. The consumer benefits because his or her payment information is handled securely and because some wallets will automatically input shipping information at the merchant's site and will give the consumer the option of paying by digital cash or check. Merchants benefit by receiving protection against fraud. The wallet is used to protect and store credit/debit information, protect the transmission of that information to only the people that are authorized to see it and to authenticate the cardholder.
- Issuer—a financial institution that issues payment cards to individuals. An issuer can act as its own cardholder certificate authority (CCA) or can contract with a third party for the service.
- Key pair—In computer security, a matched set of public and private keys. When used for encryption, the sender uses the public key half to encrypt the message, and the recipient uses the private key half to decrypt the message. When used for signing, the signer uses the private key half to sign a message, and the recipient uses the public key half to verify the signature.
- Merchant server—a Web server that offers cataloged shopping services. The equivalent to a physical store.
- Password—For computer or network security, a specific string of characters entered by a user and authenticated by the system in determining the user's privileges, if any, to access and manipulate the data and operations of the system.
- Payment card—a credit card or debit card that is issued by a financial institution and shows a relationship between the cardholder and the financial institution.
- Registration authority (RA)—An organization or person authorized or licensed to authenticate a certificate requestor's identity and the services that the requester is then authorized to use. The RA approves requests so that certificates can be issued, renewed, updated, or revoked by a CA. The RA is usually a credit officer of an issuing or acquiring bank and approves the certificate requests for its members.
- Secure Sockets Layer—A security protocol that allows the client to authenticate the server and all data and requests to be encrypted. SSL offers a very limited trust model and a secure link between client and server.
- Thin wallet—generally the digital wallet program resides on the user's PC, but a “thin” wallet places some of the wallet function on a server, thereby reducing the program size on the user's PC and enabling an easier modification of the wallet's features.
- Trusted Root—the base or top level certificate that provides the basis for the trusted hierarchy.
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- a. The reference is an “alias card number”, meaning a secondary account number that is mapped at the issuing bank to the real card number. This is similar to an approach discussed (and rejected) during the SET design, and actually used in the X9.59 ANSI draft. The alias card number is only used for Internet-based transactions that are accompanied by an authorization token. A stolen alias card number has no use without an authorization token, so it does not entail any risk to real-world credit cards.
- b. The reference is an authorization number allocated uniquely by the issuer gateway for each authorization. This authorization number is passed by the acquirer gateway back to the issuing bank in the capture message. The issuing bank maintains a database mapping authorization numbers to card numbers. When the issuing bank receives the capture message, it uses this database mapping to determine the actual card number.
TABLE 1 | |||
Certificate Type | Purpose | Issuing Party | Relying Parties |
Root | Provide trust base | Root (self) | All |
for entire protocol | |||
Issuing bank | Identify & help | Root | Merchant, |
authenticate valid | Acquiring | ||
issuing banks to | bank | ||
merchants. | |||
Acquiring bank | Identity and help | Root | Issuing bank, |
authenticate valid | consumer | ||
acquires to issuing | |||
banks and | |||
consumers. | |||
Merchant | Identify and help | Acquiring | Issuing bank, |
authenticate valid | Bank | consumer | |
merchants to issuing | |||
banks and | |||
consumers. | |||
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- Userid and password, for example as provided by basic authentication in standard WWW browsers.
- Account number and ATM PIN.
- Software- or smart card-based symmetric or asymmetric authentication, where the issuer gateway obtains matching key verification information from a database.
- Asymmetric authentication using digital certificates, for example using SSL v3 as implemented in WWW browsers. This could be implemented using either software or smart cards.
- Proprietary hardware tokens.
- Biometrics.
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- Split shipments support merchants who must back-order merchandise.
- The merchant can divide a payment into two or more portions that are separately authorized and settled, without consumer interaction.
- Recurring payments support merchandising schemes such as monthly newspaper subscriptions. The merchant can authorize and capture payments on a regular schedule, given initial consumer approval and without further consumer involvement.
- Installment payments permit consumers and merchants to stretch a payment over time. At the time of a purchase the consumer and merchant agree to a particular schedule and the merchant or acquiring bank then automatically authorize and capture payments according to the schedule.
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- 1. The wallet initiation message contains additional parameters that identify the terms of any recurring or installment payment agreed between the merchant and consumer.
- 2. The wallet should display these terms to ensure consumer awareness and agreement. The wallet forwards the additional parameters to the issuer gateway.
- 3. Issuer gateway verifies that the recurring or installment terms are acceptable according to the issuer's business and risk management policies. The issuer gateway includes the terms as additional parameters in the authorization token.
- 4. The consumer's wallet forwards the authorization token (with additional parameters) to the merchant as in the basic protocol, in the message on
path 228 of FIG. 2A. - 5. The capture of the first installment or recurring payment occurs as with the basic protocol, in the message on
path 242 of FIG. 2A. - 6. The merchant authorizes the second and subsequent installment or recurring payments by sending the message on
path 402 ofFIG. 4 to the issuer gateway. The additional parameters in the authorization token allow the issuer gateway to recognize and appropriately handle these special payment types. The issuer gateway returns a new authorization token in another message onpath 402 prime ofFIG. 4 that can be used both for captures (in a message onpath 242 ofFIG. 4 ) and further authorization by repeating messages onpath 402 ofFIG. 4 as required.
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- 1. In
FIG. 4 ,path 220, the Consumer uses a browser to shop at a merchant WWW site. Consumer presses a “pay” button on merchant's HTML page, or otherwise indicates consumer is ready to make a payment. - 2. In step 2, the Merchant sends a wallet initiation message on path 222to the consumer, containing payment amount, order description, timestamp, a random nonce, and possible additional data depending upon requirements. The merchant signs this initiation message and includes a digital certificate provided by the acquiring bank.
- 33.3. In
FIG. 4 ,path 224, the Wallet initiation message causes consumer's browser to start consumer's wallet. Consumer is prompted to logon to the wallet using userid/password, smartcard, or other appropriate authentication mechanism. Wallet sends data from step 1, plus consumer's identity and authentication data to the issuer gateway. - 4. In
FIG. 4 ,path 402, the issuer gateway verifies the merchant's signature and digital certificate to validate that the merchant and issuer share a common financial arrangement established by national law or a financial association such as MasterCard, Visa, an ATM network, or similar organization. Issuer gateway authorizes payment via issuer's credit card processing system. Issuer gateway generates and sends a signed authorization token directly to the merchant, along with the issuer gateway's certificate. The authorization token contains the data from step 1 plus a merchant identifier and a reference to the consumer's credit card number, as with the base protocol.
- 1. In
-
- 5. In
FIG. 4 ,path 402, the merchant verifies both the issuer gateway's signature and the data in the authorization token. No separate realtime authorization is required since the payment is “pre-authorized” before it reaches the merchant. Merchant sends acknowledgement back to issuer gateway. - 5 6. In
FIG. 4 ,path 224, the Issuer gateway sends acknowledgement back to the consumer wallet, which terminates so that normal browsing can proceed. - 6 7. In
FIG. 4 ,path 242, at some later time, the merchant submits the authorization token in a capture request to the acquirer's payment gateway. The capture request tells the acquirer to actually post the charge to the consumer's credit or debit account.
- 5. In
Claims (85)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/622,058 USRE40444E1 (en) | 1998-12-29 | 2003-07-17 | Four-party credit/debit payment protocol |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/221,869 US6327578B1 (en) | 1998-12-29 | 1998-12-29 | Four-party credit/debit payment protocol |
US10/622,058 USRE40444E1 (en) | 1998-12-29 | 2003-07-17 | Four-party credit/debit payment protocol |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/221,869 Reissue US6327578B1 (en) | 1998-12-29 | 1998-12-29 | Four-party credit/debit payment protocol |
Publications (1)
Publication Number | Publication Date |
---|---|
USRE40444E1 true USRE40444E1 (en) | 2008-07-29 |
Family
ID=22829750
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/221,869 Ceased US6327578B1 (en) | 1998-12-29 | 1998-12-29 | Four-party credit/debit payment protocol |
US10/622,058 Expired - Lifetime USRE40444E1 (en) | 1998-12-29 | 2003-07-17 | Four-party credit/debit payment protocol |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/221,869 Ceased US6327578B1 (en) | 1998-12-29 | 1998-12-29 | Four-party credit/debit payment protocol |
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---|---|
US (2) | US6327578B1 (en) |
EP (1) | EP1017030A3 (en) |
JP (1) | JP2000194770A (en) |
KR (1) | KR100349779B1 (en) |
Cited By (152)
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Also Published As
Publication number | Publication date |
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US6327578B1 (en) | 2001-12-04 |
EP1017030A3 (en) | 2003-12-03 |
JP2000194770A (en) | 2000-07-14 |
EP1017030A2 (en) | 2000-07-05 |
KR100349779B1 (en) | 2002-08-22 |
KR20000048436A (en) | 2000-07-25 |
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