Methods and systems for securing electronic transactions
First Claim
1. A method of securing a prospective electronic transaction between a first party and a second party, the first party using a client computer, the method comprising:
- generating a transaction indicia for the electronic transaction;
sending the transaction indicia to the client computer, wherein receipt of the transaction indicia by the client computer causes encryption of the transaction indicia and account information associated with the first party into encrypted data;
responsive to receipt of the transaction indicia and the account information from a data center to which the client computer has communicated the encrypted data, completing the electronic transaction on a basis of the account information.
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Accused Products
Abstract
Methods and systems for securing a prospective electronic transaction between a first party and a second party. The system comprises an authentication entity adapted for generating a transaction indicia for the electronic transaction and sending the transaction indicia to the client computer, wherein receipt of the transaction indicia by a client computer used by the first party causes encryption of the transaction indicia and account information associated with the first party into encrypted data. Also, the system comprises a data center adapted for receiving the encrypted data from the client computer; decrypting the encrypted data to obtain the transaction indicia and the account information associated with the first party; and sending the transaction indicia and the account information to the authentication entity for completion of the electronic transaction on a basis of the account information.
25 Citations
34 Claims
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1. A method of securing a prospective electronic transaction between a first party and a second party, the first party using a client computer, the method comprising:
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generating a transaction indicia for the electronic transaction;
sending the transaction indicia to the client computer, wherein receipt of the transaction indicia by the client computer causes encryption of the transaction indicia and account information associated with the first party into encrypted data;
responsive to receipt of the transaction indicia and the account information from a data center to which the client computer has communicated the encrypted data, completing the electronic transaction on a basis of the account information. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of securing a prospective electronic transaction between a first party and a second party, the first party using a client computer, the method comprising:
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receiving encrypted data from the client computer, the encrypted data comprising (I) an encrypted version of a transaction indicia obtained by the client computer from an authentication entity and (II) an encrypted version of account information associated with the first party obtained from a portable memory device communicatively coupled to the client computer;
decrypting the encrypted data using decryption parameters to obtain the transaction indicia and the account information;
sending the transaction indicia and the account information to the authentication entity for completion of the electronic transaction on a basis of the account information. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15)
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16. A system for securing a prospective electronic transaction between a first party and a second party, the first party using a client computer, the system comprising:
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an authentication entity adapted for;
generating a transaction indicia for the electronic transaction;
sending the transaction indicia to the client computer, wherein receipt of the transaction indicia by the client computer causes encryption of the transaction indicia and account information associated with the first party into encrypted data;
a data center adapted for;
receiving the encrypted data from the client computer;
decrypting the encrypted data to obtain the transaction indicia and the account information associated with the first party;
sending the transaction indicia and the account information to the authentication entity for completion of the electronic transaction on a basis of the account information. - View Dependent Claims (17, 18, 19, 20)
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21. A portable memory device for facilitating on-line transactions performed via a computer running a browser, said portable memory device comprising:
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a data storage medium for holding data indicative of account information;
a communication interface for allowing said portable memory device to establish a temporary data communication pathway with the computer to supply via the data communication pathway the account information for use by the browser in effecting an on-line transaction. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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32. A device for securing electronic transactions between a first party and a second party, the first party using a client computer, the device comprising:
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an input/output interface for interfacing with the client computer;
a memory storing at least one account information record for the first party, each of the account information record storing account information and being accessible by a respective identifier;
a processing unit having encryption functionality and adapted to interact with a browser executing on the client computer, the processing unit being responsive to receipt of a particular identifier to encrypt the account information in the account information record corresponding to the particular identifier into encrypted data and provide the encrypted data to the client computer via the input/output interface.
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33. Computer-readable media tangibly embodying an application program executable by a client computer to perform a method of securing electronic transactions between the client computer and a server, the application program comprising:
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computer-readable program code means for being attentive to receipt of an identification of a desired account to be used in an electronic transaction;
computer-readable program code means for signaling to the server a desire to effect the electronic transaction;
computer-readable program code means for being attentive to receipt from an authentication entity of a transaction indicia for the electronic transaction;
computer-readable program code means for supplying the transaction indicia and the identification of the desired account to a device communicatively coupled with the client computer;
computer-readable program code means for being attentive to receipt from the device of an information packet comprising an encrypted version of the transaction indicia and an encrypted version of account information associated with the desired account;
computer-readable program code means for releasing the information packet to a data center capable of decrypting the information packet and forwarding the transaction indicia and the account information to the authentication entity for completion of the electronic transaction. - View Dependent Claims (34)
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Specification