Method for secure electronic commercial transaction on-line processing
First Claim
Patent Images
1. A method for on-line processing of electronic commercial transactions between a purchaser'"'"'s network access device and a vendor'"'"'s computer connectable over a first, open data communication network, the method comprising:
- providing at least one transaction-processing computer distinct from the vendor'"'"'s computer;
under the control of the purchaser'"'"'s network access device, establishing a connection to the vendor'"'"'s computer over the open data communication network;
under the control of the purchaser'"'"'s network access device, transmitting to the vendor'"'"'s computer, over the open data communication network, non-security-sensitive identifying information allowing the vendor'"'"'s computer to identify the purchaser as enabled to perform the transaction;
under the control of the vendor'"'"'s computer, transmitting to the purchaser'"'"'s network access device non-security-sensitive transaction information including a transaction amount;
under the control of the purchaser'"'"'s network access device, establishing a connection to the transaction processing computer over a second, non-open data communication network, and transmitting to the transaction-processing computer, over the non-open data communication network, the transaction information and security-sensitive information, including a purchaser'"'"'s personal identification information for allowing the transaction-processing computer to ascertain the identity of the purchaser; and
under the control of the transaction processing computer identifying the purchaser by using the purchaser'"'"'s personal identification information, charging the transaction amount on a purchaser'"'"'s account, establishing a connection to the vendor'"'"'s computer over a third, non-open data communication network, and communicating to the vendor'"'"'s computer a transaction approval.
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Abstract
A method for on-line processing of electronic commercial transactions using three distinct communication networks to enhance the security of sensitive information such as credit card numbers.
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Citations
23 Claims
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1. A method for on-line processing of electronic commercial transactions between a purchaser'"'"'s network access device and a vendor'"'"'s computer connectable over a first, open data communication network, the method comprising:
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providing at least one transaction-processing computer distinct from the vendor'"'"'s computer;
under the control of the purchaser'"'"'s network access device, establishing a connection to the vendor'"'"'s computer over the open data communication network;
under the control of the purchaser'"'"'s network access device, transmitting to the vendor'"'"'s computer, over the open data communication network, non-security-sensitive identifying information allowing the vendor'"'"'s computer to identify the purchaser as enabled to perform the transaction;
under the control of the vendor'"'"'s computer, transmitting to the purchaser'"'"'s network access device non-security-sensitive transaction information including a transaction amount;
under the control of the purchaser'"'"'s network access device, establishing a connection to the transaction processing computer over a second, non-open data communication network, and transmitting to the transaction-processing computer, over the non-open data communication network, the transaction information and security-sensitive information, including a purchaser'"'"'s personal identification information for allowing the transaction-processing computer to ascertain the identity of the purchaser; and
under the control of the transaction processing computer identifying the purchaser by using the purchaser'"'"'s personal identification information, charging the transaction amount on a purchaser'"'"'s account, establishing a connection to the vendor'"'"'s computer over a third, non-open data communication network, and communicating to the vendor'"'"'s computer a transaction approval. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system for on-line processing of commercial transactions, comprising:
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a purchaser'"'"'s network access device connectable to a first, open data communication network, a vendor'"'"'s computer connected to the open data communication network and, at least one transaction processing computer distinct from the vendor'"'"'s computer, the transaction processing computer being connectable to the purchaser'"'"'s network access device and to the vendor'"'"'s computer over at least one second, secure data communication network distinct from the first, open data communication network, wherein the purchaser'"'"'s network access device comprises storage means for storing non-security-sensitive transaction information, including a transaction amount, received from the vendor'"'"'s computer over the open data communication network, user-interface means for allowing the purchaser to enter a personal identification information, means for establishing a secure connection to the transaction processing computer over the secure data communication network for communicating to the transaction processing computer the transaction information and the personal identification information; and
the transaction processing computer comprises means for assessing identity of the purchaser based on the personal identification information received from the purchaser'"'"'s network access device, for charging the transaction amount on a purchaser'"'"'s account, and for communicating to the vendor'"'"'s computer a transaction approval over the secure data communication network. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23)
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Specification