Methods and systems for making secure electronic payments
First Claim
1. A method for securing payment over a network from a customer to a merchant, performed by a trusted party component, the method comprising:
- receiving a request from the customer to pay the merchant, the request including a transaction information;
obtaining confidential payment information of the customer;
generating payment authentication information based on the confidential payment information; and
facilitating payment to the merchant without disclosing the confidential payment information of the customer to the merchant by transmitting instructions to pay the merchant on behalf of the customer and the payment authentication information to a payment component.
2 Assignments
0 Petitions
Accused Products
Abstract
The present invention provides methods and systems for securing payment over a network from a customer to a merchant. A trusted party component receives an instruction from the customer to pay the merchant, the instruction including confidential payment information of the customer. The trusted party component creates payment authentication information based on the confidential payment information. Based on the payment authentication information, the trusted party component pays the merchant on behalf of the customer without the confidential payment information of the customer being disclosed to the merchant.
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Citations
61 Claims
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1. A method for securing payment over a network from a customer to a merchant, performed by a trusted party component, the method comprising:
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receiving a request from the customer to pay the merchant, the request including a transaction information;
obtaining confidential payment information of the customer;
generating payment authentication information based on the confidential payment information; and
facilitating payment to the merchant without disclosing the confidential payment information of the customer to the merchant by transmitting instructions to pay the merchant on behalf of the customer and the payment authentication information to a payment component. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method for securing payment from a customer to a merchant over a network, performed by a first trusted party component, the method comprising:
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receiving a request from the customer to pay the merchant;
obtaining confidential payment information associated with the customer;
generating payment authentication information based on the confidential payment information;
transmitting the payment authentication information to the merchant;
receiving from the merchant the payment authentication information with a merchant signature;
verifying the merchant signature and the payment authentication information; and
paying the merchant on behalf of the customer. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A method for securing payment from a customer to a merchant over a network, performed by a trusted party component, the method comprising:
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receiving an instruction from the customer to pay the merchant with a merchant signature;
obtaining confidential payment information of the customer;
verifying the merchant signature; and
,paying the merchant based on the confidential payment information, if the merchant signature is verified. - View Dependent Claims (25, 26)
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27. A computer-readable medium containing instructions for causing a computer to perform a method for securing payment over a network from a customer to a merchant, the method comprising:
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receiving a request from the customer to pay the merchant, the request including a transaction information;
obtaining confidential payment information of the customer;
generating payment authentication information based on the confidential payment information; and
facilitating payment to the merchant without disclosing the confidential payment information of the customer to the merchant by transmitting instructions to pay the merchant on behalf of the customer and the payment authentication information to a payment component. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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43. A computer-readable medium containing instructions for causing a computer to perform a method for securing payment over a network from a customer to a merchant, the method comprising:
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receiving a request from the customer to pay the merchant;
obtaining confidential payment information associated with the customer;
generating payment authentication information based on the confidential payment information;
transmitting the payment authentication information to the merchant;
receiving from the merchant the payment authentication information with a merchant signature;
verifying the merchant signature and the payment authentication information; and
paying the merchant on behalf of the customer. - View Dependent Claims (44, 45, 46, 47, 48, 49)
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50. A computer-readable medium containing instructions for causing a computer to perform a method for securing payment over a network from a customer to a merchant, the method comprising:
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receiving an instruction from the customer to pay the merchant with a merchant signature;
obtaining confidential payment information of the customer;
verifying the merchant signature; and
,paying the merchant based on the confidential payment information, if the merchant signature is verified. - View Dependent Claims (51, 52)
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53. A apparatus for securing payment over a network from a customer to a merchant, the apparatus comprising:
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a processing unit;
an input/output device coupled to the processing unit;
a storage device in communication with the processing unit, the storage device including, program code for receiving an instruction from the customer to pay the merchant, the instruction including confidential payment information of the customer;
program code for generating payment authentication information based on the confidential payment information; and
program code for paying the merchant on behalf of the customer according to the payment authentication information, wherein the confidential payment information of the customer is not disclosed to the merchant. - View Dependent Claims (54, 55)
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56. A system comprising:
a trusted component capable of receiving an instruction from a customer to pay a merchant;
obtaining confidential payment information associated with the customer, generating payment authentication information based on the confidential payment information, and transmitting the payment authentication information to a payment processor; and
the payment processor capable ofverifying the payment authentication information and paying the merchant on behalf of the customer according to the payment authentication information, wherein the confidential payment information of the customer is not disclosed to the merchant. - View Dependent Claims (57, 58, 59, 60, 61)
Specification