Method for performing secure internet transactions
First Claim
1. An Internet purchasing method comprising the steps of:
- a. a customer accessing a merchant server and selecting desired goods and services and placing an order for same, the order resulting in the transmission of an order packet to the merchant server and an authorization packet to a bank server;
b. upon receipt of the order packet, the merchant server generating a merchant packet and transmitting same so that it is received by the bank server;
c. the bank server coordinating the merchant packet with the authorization packet;
d. upon successful coordination, the transaction being subjected to normal back-end processing.
0 Assignments
0 Petitions
Accused Products
Abstract
A split transaction purchasing method for increasing the security of on-line transactions comprising the steps of—a customer accessing a merchant server and selecting desired goods and services and placing an order for same, the order resulting in the transmission of an order packet to the merchant server and an authorization packet to a bank server; upon receipt of the order packet, the merchant server generating a merchant packet and transmitting same so that it is received by the bank server; the bank server coordinating the merchant packet with the authorization packet; upon successful coordination, the transaction being subjected to normal back-end processing. Also disclosed is an interactive customer approval method for performing secure Internet transactions of the type where a customer transmits an order packet to a merchant indicating a desire to engage in a transaction, and the merchant consequently transmits a merchant packet related to the requested transaction, the method comprising: in an interactive mode, obtaining authorization from the customer for the requested transaction, resulting in an authorization packet; coordinating the authorization packet with the merchant packet; and transmitting an approval packet if coordination is successful.
152 Citations
15 Claims
-
1. An Internet purchasing method comprising the steps of:
-
a. a customer accessing a merchant server and selecting desired goods and services and placing an order for same, the order resulting in the transmission of an order packet to the merchant server and an authorization packet to a bank server;
b. upon receipt of the order packet, the merchant server generating a merchant packet and transmitting same so that it is received by the bank server;
c. the bank server coordinating the merchant packet with the authorization packet;
d. upon successful coordination, the transaction being subjected to normal back-end processing.
-
-
2. The method of step 1 further incorporating the following billing method:
-
a. upon completion of a transaction or a set of transactions, the bank sending an electronic communication via the Internet to the customer listing the purchase made and the total amount due;
b. the customer selecting a method of payment and responding with the same in an electronic communication via the Internet bank to the bank; and
c. the bank completing the payment pursuant to instructions from the customer in the response electronic communication.
-
-
3. A method for performing secure Internet transactions of the type where a customer transmits an order packet to a merchant indicating a desire to engage in a transaction, and the merchant consequently transmits a merchant packet related to the requested transaction, the method comprising:
-
a. in an interactive mode, obtaining authorization from the customer for the requested transaction, resulting in an authorization packet if approved;
b. coordinating the authorization packet with the merchant packet; and
c. transmitting the requested transaction for back-end processing if coordination is successful. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
-
Specification