×

System and method for conducting secure payment transaction

  • US 20050240522A1
  • Filed: 01/30/2003
  • Published: 10/27/2005
  • Est. Priority Date: 01/30/2002
  • Status: Active Grant
First Claim
Patent Images

1. A method for conducting a payment transaction using payment account identification data associated with a payment account, the method comprising:

  • a. sending an authentication request message from a user processor to an authentication processor, the authentication request message comprising at least one of a user name, a password, transaction data, and the payment account identification data;

    b. authenticating the authentication request message by the authentication processor; and

    c. if the authenticating step is successful, performing a first set of steps, the first set of steps comprising the following steps;

    i. sending an authentication response message from the authentication processor to the user processor, the authentication response message comprising authentication data, ii. sending from the user processor to a merchant processor at least one of the authentication response message and data derived from the authentication response message, and iii. sending a first authorization request message from the merchant processor to at least one of an acquirer processor and a payment organization processor, the first authorization request message comprising at least one of the authentication data and first data derived from the authentication data.

View all claims
  • 1 Assignment
Timeline View
Assignment View
    ×
    ×