Secure m-commerce transactions through legacy POS systems
First Claim
1. A method for conducting an electronic commerce transaction between a customer and a merchant, said transaction using customer information stored in a customer device and transaction information stored in a merchant device, said method comprising the steps of:
- providing an entity for collecting said customer and transaction information from said customer and merchant devices and for generating a transaction identification number for said transaction, wherein said transaction identification number includes a unique personal account number (PAN) for identifying said entity;
sending said transaction identification number from said entity to said customer or said customer device to commence said transaction by said customer providing said transaction identification number to a point-of-sale device;
detecting said transaction identification number at an acquirer device, being in communication with said point-of-sale device, to identify said entity;
requesting said customer and transaction information from said entity by said acquirer device; and
, sending said customer and transaction information from said entity to said acquirer device to determine a result for said transaction.
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Accused Products
Abstract
A method for conducting an electronic commerce transaction between a customer and a merchant, the transaction using customer information stored in a customer device and transaction information both stored and entered into a merchant device, the method including the steps of: providing an entity for collecting the customer and transaction information from the customer and merchant devices and for generating a transaction identification number for the transaction, wherein the transaction identification number includes a unique personal account number (PAN) for identifying the entity; sending the transaction identification number from the entity to the customer and/or customer device to commence the transaction by the customer providing the transaction identification number to a point-of-sale device; detecting the transaction identification number at an acquirer device, being in communication with the point-of-sale terminal, to identify the entity; requesting the customer and transaction information from the entity by the acquirer device; and, sending the customer and transaction information from the entity to the acquirer device to determine a result for the transaction.
91 Citations
19 Claims
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1. A method for conducting an electronic commerce transaction between a customer and a merchant, said transaction using customer information stored in a customer device and transaction information stored in a merchant device, said method comprising the steps of:
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providing an entity for collecting said customer and transaction information from said customer and merchant devices and for generating a transaction identification number for said transaction, wherein said transaction identification number includes a unique personal account number (PAN) for identifying said entity;
sending said transaction identification number from said entity to said customer or said customer device to commence said transaction by said customer providing said transaction identification number to a point-of-sale device;
detecting said transaction identification number at an acquirer device, being in communication with said point-of-sale device, to identify said entity;
requesting said customer and transaction information from said entity by said acquirer device; and
,sending said customer and transaction information from said entity to said acquirer device to determine a result for said transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification