WO2001099071A3 - An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number - Google Patents
An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number Download PDFInfo
- Publication number
- WO2001099071A3 WO2001099071A3 PCT/US2001/019754 US0119754W WO0199071A3 WO 2001099071 A3 WO2001099071 A3 WO 2001099071A3 US 0119754 W US0119754 W US 0119754W WO 0199071 A3 WO0199071 A3 WO 0199071A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- account number
- pseudo
- computer network
- improved method
- proxy account
- Prior art date
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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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]
-
- 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
- G06Q20/14—Payment architectures specially adapted for billing 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
- G06Q20/38—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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/403—Solvency checks
Abstract
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2002503838A JP4903346B2 (en) | 2000-06-22 | 2001-06-21 | Improved method and system for processing secure payments across computer networks without pseudo or proxy account numbers |
EP01948539A EP1295267A2 (en) | 2000-06-22 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
AU2001270012A AU2001270012B8 (en) | 2000-06-22 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
CA002413882A CA2413882A1 (en) | 2000-06-22 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
AU7001201A AU7001201A (en) | 2000-06-22 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
HK03106336.7A HK1054608A1 (en) | 2000-06-22 | 2003-09-05 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
Applications Claiming Priority (8)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US21332500P | 2000-06-22 | 2000-06-22 | |
US60/213,325 | 2000-06-22 | ||
US22516800P | 2000-08-14 | 2000-08-14 | |
US60/225,168 | 2000-08-14 | ||
US09/809,367 | 2001-03-15 | ||
US09/809,367 US9672515B2 (en) | 2000-03-15 | 2001-03-15 | Method and system for secure payments over a computer network |
US09/833,049 US7379919B2 (en) | 2000-04-11 | 2001-04-11 | Method and system for conducting secure payments over a computer network |
US09/833,049 | 2001-04-11 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2001099071A2 WO2001099071A2 (en) | 2001-12-27 |
WO2001099071A3 true WO2001099071A3 (en) | 2002-05-30 |
Family
ID=27498926
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/019754 WO2001099071A2 (en) | 2000-06-22 | 2001-06-21 | An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP1295267A2 (en) |
JP (1) | JP4903346B2 (en) |
AU (2) | AU7001201A (en) |
CA (1) | CA2413882A1 (en) |
WO (1) | WO2001099071A2 (en) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6732270B1 (en) * | 2000-10-23 | 2004-05-04 | Motorola, Inc. | Method to authenticate a network access server to an authentication server |
US8650103B2 (en) | 2001-10-17 | 2014-02-11 | Ebay, Inc. | Verification of a person identifier received online |
KR101100385B1 (en) * | 2004-03-22 | 2011-12-30 | 삼성전자주식회사 | Method and apparatus for digital rights management by using certificate revocation list |
DE102009024984A1 (en) * | 2009-06-16 | 2010-12-23 | Giesecke & Devrient Gmbh | Method for executing electronic bank transaction through Internet, involves interrupting transaction when comparison is produced automatically such that inspection value is different from another inspection value |
US11538055B2 (en) * | 2012-06-15 | 2022-12-27 | Edatanetworks Inc. | Systems and method for incenting consumers |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5724424A (en) * | 1993-12-16 | 1998-03-03 | Open Market, Inc. | Digital active advertising |
EP1028401A2 (en) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Method and system for performing a bankcard transaction |
WO2001069556A2 (en) * | 2000-03-15 | 2001-09-20 | Mastercard International Incorporated | Method and system for secure payments over a computer network |
Family Cites Families (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2168514A (en) * | 1984-12-12 | 1986-06-18 | Ibm | Security module |
JPH01243175A (en) * | 1988-03-24 | 1989-09-27 | Nippon Ginkou | Method for confirming settlement for electronic settlement system |
GB9416595D0 (en) * | 1994-08-17 | 1994-10-12 | British Telecomm | User authentication in a communications network |
JP3599493B2 (en) * | 1996-09-10 | 2004-12-08 | 日本銀行 | Electronic cash method and user device with separate issuing agency number registration type |
EP0873647A2 (en) * | 1996-10-23 | 1998-10-28 | Cellon France SAS | Payment scheme for a mobile communication service |
JP3435682B2 (en) * | 1997-08-15 | 2003-08-11 | 日本電信電話株式会社 | Electronic cash deposit method, device thereof, and program recording medium |
US6000832A (en) * | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US5883810A (en) | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
US6102287A (en) * | 1998-05-15 | 2000-08-15 | International Business Machines Corporation | Method and apparatus for providing product survey information in an electronic payment system |
GB2338381A (en) * | 1998-06-10 | 1999-12-15 | Barclays Bank Plc | Cryptographic authentication for internet using two servers |
-
2001
- 2001-06-21 WO PCT/US2001/019754 patent/WO2001099071A2/en not_active Application Discontinuation
- 2001-06-21 CA CA002413882A patent/CA2413882A1/en not_active Abandoned
- 2001-06-21 AU AU7001201A patent/AU7001201A/en active Pending
- 2001-06-21 EP EP01948539A patent/EP1295267A2/en not_active Withdrawn
- 2001-06-21 JP JP2002503838A patent/JP4903346B2/en not_active Expired - Fee Related
- 2001-06-21 AU AU2001270012A patent/AU2001270012B8/en not_active Ceased
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5724424A (en) * | 1993-12-16 | 1998-03-03 | Open Market, Inc. | Digital active advertising |
EP1028401A2 (en) * | 1999-02-12 | 2000-08-16 | Citibank, N.A. | Method and system for performing a bankcard transaction |
WO2001069556A2 (en) * | 2000-03-15 | 2001-09-20 | Mastercard International Incorporated | Method and system for secure payments over a computer network |
Non-Patent Citations (1)
Title |
---|
BRUCE SCHNEIER: "Applied Cryptography", 8 November 1999, JOHN WILEY & SONS, INC., NEW YORK, XP002188917, 238530 * |
Also Published As
Publication number | Publication date |
---|---|
AU2001270012B2 (en) | 2006-09-28 |
WO2001099071A2 (en) | 2001-12-27 |
CA2413882A1 (en) | 2001-12-27 |
JP2003536181A (en) | 2003-12-02 |
JP4903346B2 (en) | 2012-03-28 |
AU2001270012B8 (en) | 2006-11-16 |
EP1295267A2 (en) | 2003-03-26 |
AU7001201A (en) | 2002-01-02 |
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