Intrinsic authorization for electronic transactions
First Claim
1. A computer implemented method of authorizing an electronic transaction, comprising the steps of:
- receiving a notification of a pending electronic transaction from a first participant therein, wherein another participant therein is an authority responsible for authorizing said pending electronic transaction;
responsive to said notification, associating a transaction identifier with said pending electronic transaction;
communicating said transaction identifier to said first participant, wherein said first participant relays said transaction identifier to at least one other participant in said pending electronic transaction;
thereafter receiving said transaction identifier and a digital certificate that authorizes said pending electronic transaction, said digital certificate being signed by said authority;
verifying said digital certificate; and
providing an indication of said digital certificate.
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Accused Products
Abstract
A computer implemented system of automated intrinsic authorization of on-line electronic transactions is disclosed. The system involves the use of a merchant transaction tracking service that identifies the transaction, using a unique transaction identifier, and manages the authorization process. The merchant transaction tracking service also provides authentication of aspects of the transaction and its participants during the authorization process. The merchant need not contact the customer'"'"'s credit card company directly, as a communication that includes the transaction identifier is embedded in the merchant'"'"'s payment form. The payment form is transmitted to the customer, and then relayed to the credit card issuer. Authentication is provided automatically, using an encrypted certificate bearing the digital signature of the credit card issuer. The digital certificate is associated with the transaction identifier, and is transferred to the merchant transaction tracking service, which then verifies the transaction to the merchant.
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Citations
48 Claims
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1. A computer implemented method of authorizing an electronic transaction, comprising the steps of:
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receiving a notification of a pending electronic transaction from a first participant therein, wherein another participant therein is an authority responsible for authorizing said pending electronic transaction;
responsive to said notification, associating a transaction identifier with said pending electronic transaction;
communicating said transaction identifier to said first participant, wherein said first participant relays said transaction identifier to at least one other participant in said pending electronic transaction;
thereafter receiving said transaction identifier and a digital certificate that authorizes said pending electronic transaction, said digital certificate being signed by said authority;
verifying said digital certificate; and
providing an indication of said digital certificate. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer implemented method of authorizing an on-line credit card transaction between a customer and a merchant, comprising the steps of:
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receiving a notification of said on-line credit card transaction from said merchant via a data network;
associating a transaction identifier with said on-line credit card transaction;
communicating said transaction identifier to said merchant via said data network, wherein responsive to receiving said transaction identifier, said merchant includes said transaction identifier in a payment form that is submitted to said customer, and said customer relays said transaction identifier to an authority responsible for authorizing said on-line credit card transaction and returns said payment form to said merchant, an identifier of a credit card account of said customer being communicated with said payment form;
receiving via said data network said transaction identifier and a digital certificate that includes said identifier of said credit card account and authorizes said on-line credit card transaction, said digital certificate being signed by said authority;
verifying said digital certificate; and
providing an indication of said digital certificate to said merchant via said data network. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A computer implemented method of authorizing an on-line credit card transaction between a customer and a merchant, comprising the steps of:
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receiving a notification of said on-line credit card transaction from said customer via a data network;
associating a transaction identifier with said on-line credit card transaction;
communicating said transaction identifier to said customer via said data network, wherein responsive to receiving said transaction identifier, said customer includes said transaction identifier in a communication that is submitted to an authority responsible for authorizing said on-line credit card transaction and returns a payment form to said merchant, an identifier of a credit card account of said customer being communicated with said payment form;
receiving via said data network said transaction identifier and a digital certificate that includes said identifier of said credit card account and authorizes said on-line credit card transaction, said digital certificate being signed by said authority;
verifying said digital certificate; and
providing an indication of said digital certificate to said merchant via said data network. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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38. A computer implemented method of authorizing an on-line credit card transaction between a customer and a merchant, comprising the steps of:
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receiving a notification of said on-line credit card transaction from an authority responsible for authorizing said on-line credit card transaction via a data network;
associating a transaction identifier with said on-line credit card transaction;
communicating said transaction identifier to said authority via said data network, receiving via said data network said transaction identifier and a digital certificate that authorizes said on-line credit card transaction, said digital certificate being signed by said authority;
verifying said digital certificate; and
providing an indication of said digital certificate to said merchant via said data network. - View Dependent Claims (39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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Specification