×

Method and system for conducting secure payments over a computer network

  • US 20020035548A1
  • Filed: 04/11/2001
  • Published: 03/21/2002
  • Est. Priority Date: 04/11/2000
  • Status: Active Grant
First Claim
Patent Images

1. A method of conducting a transaction using a payment network, comprising:

  • (a) receiving by a service provider a first authorization request for the authorization of a transaction using a first payment account number, wherein;

    (i) the first payment account number has a first BIN code associated with the service provider and is associated with a second payment account number having a second BIN code associated with an issuer of said second number, said second payment account number not being included in said first authorization request;

    (ii) the first authorization request includes a first acquirer code associated with an acquirer; and

    (iii) the first authorization request is routable through the payment network to the service provider based on said first BIN code;

    (b) responsive to the first authorization request, transmitting by the service provider a second authorization request for authorization of the transaction using the second payment account number, the second authorization request including a second acquirer code associated with the service provider and being routable through the payment network to the issuer based on said second BIN code;

    (c) receiving a response to the second authorization request by the service provider from the issuer, the response including the second acquirer code and being routable through the payment network based on that code; and

    (d) transmitting a response to the first authorization request by the service provider to the acquirer based on the response to the second authorization request, the response to the first authorization request including the first acquirer code and being routable through the payment network based on that code.

View all claims
  • 0 Assignments
Timeline View
Assignment View
    ×
    ×