Secure communication of payment information to merchants using a verification token
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-020/00
G06Q-020/40
G06F-021/34
G06F-021/42
G06Q-020/12
G06Q-020/20
G06Q-020/32
G06Q-020/38
G06Q-020/42
G06Q-020/10
출원번호
US-0258258
(2016-09-07)
등록번호
US-10049360
(2018-08-14)
발명자
/ 주소
Hammad, Ayman
출원인 / 주소
Visa International Service Association
대리인 / 주소
Kilpatrick Townsend & Stockton LLP
인용정보
피인용 횟수 :
0인용 특허 :
269
초록
Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.
대표청구항▼
1. A method initiating a payment transaction, the method comprising: presenting, from a merchant server comprising a data processor and a computer readable medium comprising computer code, a website portal providing various web pages that enable a user to select at least one product or service for p
1. A method initiating a payment transaction, the method comprising: presenting, from a merchant server comprising a data processor and a computer readable medium comprising computer code, a website portal providing various web pages that enable a user to select at least one product or service for purchase to a computer, the computer code directing the data processor in the merchant server to create an active purchase session for the user that is actively pursuing a purchase transaction;receiving, by the merchant server, one or more messages directly from a validation entity, the one or more messages including data including data representative of at least a portion of identification information of a portable consumer device obtained from a verification token, after the validation entity has determined that one or more validation tests pertaining to the verification token are passed;correlating, by the merchant server, the data received in the one or more messages from the validation entity to the active purchase session; andinitiating the payment transaction using at least some of the data received in the one or more messages. 2. The method of claim 1, wherein the portable consumer device is in the form of a card and the verification token comprises a card reader. 3. The method of claim 1, wherein the one or more messages comprise a merchant identifier associated with the merchant server. 4. The method of claim 3, wherein the one or more messages comprise a transaction identifier associated with the purchase transaction. 5. The method of claim 4, wherein the merchant identifier and the transaction identifier are encrypted in the one or more messages. 6. The method of claim 1, wherein the computer is a mobile phone. 7. The method of claim 1, wherein the one or more messages comprise a merchant identifier associated with the merchant server, the merchant identifier being a URL or a URID. 8. The method of claim 1 wherein the one or more messages comprise a merchant identifier associated with the merchant server, the merchant identifier being stored on the portable consumer device and being received through the verification token. 9. A merchant server comprising: a data processor; anda computer readable medium coupled to the processor, wherein the computer readable medium comprises code, executable by the processor, for implementing a method comprisingpresenting, from the merchant server, a website portal providing various web pages that enable a user to select at least one product or service for purchase to a computer, the code directing the data processor to create an active purchase session for the user that is actively pursuing a purchase transaction;receiving, by the merchant server, one or more messages directly from a validation entity, the one or more messages including data including data representative of at least a portion of identification information of a portable consumer device obtained from a verification token, after the validation entity has determined that one or more validation tests pertaining to the verification token are passed;correlating, by the merchant server, the data received in the one or more messages from the validation entity to the active purchase session; andinitiating a payment transaction using at least some of the data received in the one or more messages. 10. The merchant server of claim 9, wherein the portable consumer device is in the form of a card and the verification token comprises a card reader. 11. The merchant server of claim 9, wherein the one or more messages comprise a merchant identifier associated with the merchant server. 12. The merchant server of claim 11, wherein the one or more messages comprise a transaction identifier associated with the purchase transaction. 13. The merchant server of claim 12, wherein the merchant identifier and the transaction identifier are encrypted in the one more messages. 14. The merchant server of claim 9, wherein the computer is a mobile phone. 15. The merchant server of claim 9, wherein the one or more messages comprise a merchant identifier associated with the merchant server, the merchant identifier being a URL or a URID. 16. The merchant server of claim 9, wherein the one or more messages comprise a merchant identifier associated with the merchant server, the merchant identifier being stored on the portable consumer device and being received through the verification token. 17. The merchant server of claim 9 wherein the identification information is stored in the verification token.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (269)
Raj, Thanigaivel Ashwin; Fuentes, Jacob Saul; Tullis, John; Shastry, Vishwanath, Alias management and value transfer claim processing.
Asghari Kamrani,Nader; Asghari Kamrani,Kamran, Direct authentication and authorization system and method for trusted network of financial institutions.
Ziarno Witold A. (4519 S. St. Louis Ave. Chicago IL 60632), Display cursor controlling device for reading card information from an information bearing credit or debit card.
Mullen, Jeffrey David, Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card.
Mullen, Jeffrey David, Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card.
Mullen, Jeffrey David, Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card.
Franklin D. Chase ; Rosen Daniel ; Benaloh Josh ; Simon Daniel R., Electronic online commerce card with customer generated transaction proxy number for online transactions.
Bierbaum, Christopher J.; Cope, Warren B.; Katzer, Robin D.; Paczkowski, Lyle W., Electronic payment using a proxy account number stored in a secure element.
Stolfo,Salvotore J.; Yemini,Yechiam; Shaykin,Leonard P., Electronic purchase of goods over a communications network including physical delivery while securing private and personal information of the purchasing party.
Goldstein,Seth; Mahajan,Rajesh; Muppirala,Prakash; Quigley,Benjamin L.; Rawat,Jai; Subramanya,Venkatesh; Tran,Vincent, Intelligent method of order completion in an e-commerce environment based on availability of stored billing information.
Hirai Chiaki (Tokyo JPX) Kondo Hidefumi (Yamato JPX), Method and apparatus for completing a partially completed document in accordance with a blank form from data automatical.
Bajikar,Sundeep M.; Girard,Luke E.; Silvester,Kelan C.; McKeen,Francis X., Method and system and authenticating a user of a computer system that has a trusted platform module (TPM).
DeMello, Marco A.; Keely, Leroy B.; Byrum, Frank D.; Yaacovi, Yoram; Hughes, Kathryn E., Method and system for binding enhanced software features to a persona.
Talbert, Vincent W.; Keithly, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Method and system for completing a transaction between a customer and a merchant.
Fisher, Douglas; Dominguez, Benedicto H.; Lee, Timothy Mu-Chu, Method and system for performing two factor authentication in mail order and telephone order transactions.
Mutschler ; III Eugene Otto ; Stefaniak Joseph Peter, Method for dynamically embedding objects stored in a web server within HTML for display by a web browser.
Jonathan Shem-Ur IL; Anat Wolfson IL; Shaul Bar-Lev IL; Roni Sivan IL; Ehud Kaahtan IL, Method for preventing unauthorized use of credit cards in remote payments and an optional supplemental-code card for use therein.
Fung, Daniel Y.; Evans, Stephen C., Method, system and computer readable medium for web site account and e-commerce management from a central location.
Veteläinen,Altti Pekka Henrik, Methods, system, and computer readable medium for user data entry, at a terminal, for communication to a remote destination.
Khan,Mohammad; Kumar,Pradeep; Vijayshankar,Roshan; Liu,Ming Li; Narayanan,Narendra, Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities.
Bhambri, Vikram; Walsh, Deirdre L.; Sausville, Paul C.; Biyani, Raj; Button, Thomas L.; Nolan, Sean; Warren, Susan; Hempey, Matthew D., Payment information security for multi-merchant purchasing environment for downloadable products.
Baker, David Preston; Marshall, III, Stanley N.; Hussein, Mohamed Reza; Hiller, Matthew Eric; Tung, Chin Pang; Mitchell, Andrew Robert, Secure storage of payment information on client devices.
Smith Robert Neal, Smart card authentication system comprising means for converting user identification and digital signature to pointing device position data and vice versa using lut.
Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
Snapper,Erik J.; Jiggins,Julian P.; Shyam,Bharat; Partovi,Hadi; Berman,Eric R.; Freedman,Steven J.; Allard,James E.; Chang,Frank Z.; Proteau,Stephen P.; Jorgenson,Clint C., System and method for populating forms with previously used data values.
Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C R; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C. R.; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C. R.; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
Hughes Thomas S. (31310 Eagle Haven Cir. ; Ste. 100 Rancho Palos Verdes CA 90274) Molina Gustavo (24292 Rhona Dr. Laguna Niguel CA 92656), System for remote purchase payment transactions and remote bill payments.
Saunders, Peter D.; Leggatt, Lesley; Chuang, I-Hsin; Oh, John J., Systems, methods and computer program products for performing mass transit merchant transactions.
Hoffman Ned (Berkeley CA) Pare ; Jr. David F. (Berkeley CA) Lee Jonathan A. (Berkeley CA), Tokenless identification system for authorization of electronic transactions and electronic transmissions.
von Behren, Rob; Wall, Jonathan; Muehlberg, Alexej; Meyn, Hauke, Wallet application for interacting with a secure element application without a trusted server for authentication.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.