System and method for payment transaction authentication
First Claim
1. An electronic payment system utilized by a customer to pay for a purchase of a good and/or a service with a payment card wherein said payment card is issued by a financial institution comprising:
- a merchant server in connection with a first network, wherein said merchant server is adapted to receive a purchase order by said customer for the purchase of said good and/ or service and to create a digital order comprising purchase order information;
a payment server in connection with said first network, wherein said payment server is adapted to receive said digital order from said merchant server over said first network and to further route said digital order;
an authentication server in connection with said first network, wherein said authentication server is adapted to receive said digital order from said payment server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to said payment server over said first network and from said payment server to said financial institution over said first network system, wherein said financial institution is asked to approve and execute the requested payment and to route the payment approval result through said payment server to said merchant server and to said authentication server.
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0 Petitions
Accused Products
Abstract
An electronic payment system utilized by a customer to pay for the purchase of a good and/or a service with a payment card. The payment system includes a merchant server, an authentication server and a communication device. The merchant server is in connection with a first network and is adapted to receive a purchase order by the customer for the purchase of a good and/or a service and to create a digital purchase order. The authentication server is in connection with the first network and is adapted to receive the digital purchase order from the merchant server over the first network, format the digital purchase order into a first message and route it over a second network to the communication device. The communication device includes the identification information of the payment card, and is adapted to receive the first message from the authentication server over the second network, display the first message to the customer, request and receive authorization for payment for the purchase order from the customer, retrieve payment card identification information, request and receive payment card security information from the customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over the second network. The authorization result and payment card identification and security information are routed over the first network from the authentication server to the financial institution that has issued the payment card. The financial institution is asked to approve and execute the requested payment and to route the payment approval result through the authentication server to the merchant server and to the communication device.
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Citations
66 Claims
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1. An electronic payment system utilized by a customer to pay for a purchase of a good and/or a service with a payment card wherein said payment card is issued by a financial institution comprising:
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a merchant server in connection with a first network, wherein said merchant server is adapted to receive a purchase order by said customer for the purchase of said good and/ or service and to create a digital order comprising purchase order information;
a payment server in connection with said first network, wherein said payment server is adapted to receive said digital order from said merchant server over said first network and to further route said digital order;
an authentication server in connection with said first network, wherein said authentication server is adapted to receive said digital order from said payment server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to said payment server over said first network and from said payment server to said financial institution over said first network system, wherein said financial institution is asked to approve and execute the requested payment and to route the payment approval result through said payment server to said merchant server and to said authentication server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. An electronic payment system utilized by a customer to pay for a purchase of a good and/or a service with a payment card wherein said payment card is issued by a financial institution comprising:
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a merchant server in connection with a first network, wherein said merchant server is adapted to receive a purchase order by said customer for the purchase of said good and/ or service and to create a digital order comprising purchase order information;
an authentication server in connection with said first network, wherein said authentication server is adapted to receive said digital order from said merchant server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to said financial institution over said first network system, wherein said financial institution is asked to approve and execute the requested payment and to route the payment approval result through said authentication server to said merchant server and to said communication device.
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34. An electronic payment system utilized by a customer to pay for a purchase of a good and/or a service with a payment card issued by a financial institution comprising:
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a merchant server in connection with a first network, wherein said merchant server is adapted to receive a purchase order by said customer for the purchase of said good and/or service and to create a digital order comprising purchase order information;
a financial institution authentication server in connection with said first network, wherein said financial institution authentication server is adapted to receive said digital order from said merchant server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said financial institution authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the financial institution authentication server over said second network; and
wherein said financial institution authentication server is asked to approve and execute the requested payment and to route the approval result to said merchant server and to said communication device.
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35. A payment authentication system for authenticating the identity of a customer and the presence of a payment card in a non-face-to-face payment transaction wherein said customer purchases a good and/or a service from a merchant server comprising:
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a payment server in connection with said a first network, wherein said payment server is adapted to receive a digital order from said merchant server over said first network and to further route said digital order;
an authentication server in connection with said first network, wherein said authentication server is adapted to receive said digital order from said payment server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to said payment server over said first network and from said payment server to a financial institution over said first network system, wherein said financial institution is the issuer of said payment card and is asked to approve and execute the requested payment and to route the payment approval result through said payment server to said merchant server and to said authentication server.
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36. A payment authentication system for authenticating the identity of a customer and the presence of a payment card in a non-face-to-face payment transaction wherein said customer purchases a good and/or a service from a merchant server comprising:
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an authentication server in connection with a first network, wherein said authentication server is adapted to receive a digital order from said merchant server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device comprising identification information of said payment card, wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve payment card identification information, request and receive payment card security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to a financial institution over said first network system, wherein said financial institution is the issuer of said payment card and is asked to approve and execute the requested payment and to route the payment approval result through said authentication server to said merchant server and to said communication device.
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37. A payment authentication system for authenticating the identity of a customer and the presence of a payment card in a non-face-to-face payment transaction wherein said customer purchases a good and/or a service from a merchant server comprising:
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an authentication server in connection with a first network, wherein said authentication server is adapted to receive a digital order from said merchant server over said first network, format said digital order into a first message and route said first message over a second network;
a communication device wherein said communication device is adapted to receive said first message from said authentication server over said second network, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card by said customer, request and receive payment card identification information and security information from said customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over said second network; and
wherein said authorization result and payment card identification and security information are routed from said authentication server to a financial institution over said first network system, wherein said financial institution is the issuer of said payment card and is asked to approve and execute the requested payment and to route the payment approval result through said authentication server to said merchant server and to said communication device.
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38. An electronic payment method utilized by a customer for payment with a payment card for a purchase of a good and/or a service said payment method comprising:
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providing a merchant server with identification information for a communication device wherein said merchant server offers said good and/or service and said communication device comprises identification information of said payment card;
creating a digital order comprising purchase order information and said identification number for said communication device by said merchant server;
routing said digital order to an authentication server via a first network;
formatting said digital order into a first message wherein said first message is adapted to be transmitted over a second network;
routing said first message over said second network to said communication device;
displaying said first message on said communication device;
requesting and receiving authorization of payment from the customer via said communication device;
retrieving payment card identification information from said communication device;
requesting and receiving payment card security information from said customer via said communication device;
routing authorization result and payment card identification and security information to said authentication server;
routing said authorization result and payment card identification and security information to a financial institution, wherein said financial institution is the issuer of said payment card; and
approving and executing said payment at said financial institution. - View Dependent Claims (39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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66. An electronic method of transacting a sale of a good and/or service by a merchant server comprising:
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receiving a purchase order for said good and/or service;
receiving a request to pay via a communication device, wherein said communication device comprises identification information of a payment card;
receiving identification information for said communication device;
creating a digital order comprising purchase order information and communication device identification information;
routing said digital order to an authentication server via a first network;
formatting said digital order into a first message wherein said first message is adapted to be transmitted over a second network;
routing said first message over said second network to said communication device;
displaying said first message on said communication device;
requesting and receiving authorization of payment from a customer via said communication device;
retrieving payment card identification information from said communication device;
requesting and receiving payment card security information from said customer via said communication device;
routing authorization result and payment card identification and security information to said authentication server;
routing said authorization result and payment card identification and security information to a financial institution, wherein said financial institution is the issuer of said payment card;
approving and executing said payment at said financial institution;
receiving notification of said approval and execution of payment; and
fulfilling said purchase order by said merchant server.
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Specification