Method and system for secure payments over a computer network
First Claim
Patent Images
1. A method of conducting a transaction by a purchaser over a communications network, comprising:
- (a) assigning to said purchaser a first payment account number having a status which changes over time;
(b) providing a second payment account number associated with said first payment account number, said second payment account number not being a transaction number and having an encryption key assigned thereto;
(c) requesting authorization for payment of said transaction with said second payment account number and not said first payment account number;
(d) identifying said purchaser'"'"'s first payment account number in response to said authorization request; and
(e) responding to said authorization request based upon said status of said first payment account number at the time of the transaction.
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Accused Products
Abstract
A method of conducting a financial transaction by a purchaser over a communications network is provided where the purchaser does not transmit his or her “real” payment card information over the network but instead secure payment application software is provided which allows for the transmission of a pseudo account number that is cryptographically processed for purposes of responding to an authorization request based on the real account number.
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Citations
10 Claims
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1. A method of conducting a transaction by a purchaser over a communications network, comprising:
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(a) assigning to said purchaser a first payment account number having a status which changes over time;
(b) providing a second payment account number associated with said first payment account number, said second payment account number not being a transaction number and having an encryption key assigned thereto;
(c) requesting authorization for payment of said transaction with said second payment account number and not said first payment account number;
(d) identifying said purchaser'"'"'s first payment account number in response to said authorization request; and
(e) responding to said authorization request based upon said status of said first payment account number at the time of the transaction. - View Dependent Claims (2, 3)
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4. A method of conducting a transaction by a purchaser over a communications network, comprising:
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(a) assigning to said purchaser a first payment account number having a status which changes over time;
(b) providing said purchaser with a secure payment application which includes a cryptographic key that is unique to said account number and a pseudo account number having the same length as and associated with said first payment account number;
(c) providing said purchaser with merchant data based on the transaction;
(d) generating a message authentication code as a function of at least said merchant data and said cryptographic key;
(e) providing said merchant said pseudo account number and said message authentication code and not said first payment account number;
(f) verifying that said merchant data is the correct data for the transaction;
(g) requesting an authorization for payment of said transaction, said authorization request not including said first payment account number but including said pseudo account number;
(h) recognizing said pseudo account number and cryptographically processing said pseudo account number to produce said first payment account number; and
(i) responding to said authorization request based on the status of said first payment account number, and passing said response back without transmission of said first payment account number. - View Dependent Claims (5, 6, 7, 8, 9, 10)
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Specification