SYSTEM AND METHOD FOR SECURE ONLINE TRANSACTION
First Claim
1. A method of processing a purchase order in an online electronic transaction, where a seller posts at least one online electronic link provided by a server, comprising:
- providing the online electronic link of the seller through the server for a buyer to invoke the online electronic link and place the purchase order with the seller;
creating a data form with a payment authorization link for the purchase order from the online electronic link;
generating an orderID for the purchase order;
generating through the payment authorization link a payment authorization request for the buyer to complete and to use to authorize payment of the purchase order by a pre-registered payment card of the buyer without disclosing a payment card number, wherein the buyer has pre-registered information related to the payment card in a pre-registered payment account with at least one host and has assigned secret keys for the pre-registered payment account with the at least one host;
sending the payment authorization request to the at least one host after the buyer fills out the secret keys for the pre-registered payment account on the payment authorization request, wherein the payment authorization request includes information on the purchase order, the orderID, and the secret keys for the pre-registered payment account;
verifying the payment authorization request by the at least one host;
sending the purchase order and the orderID to the seller; and
sending a payment approval request having the purchase order and the orderID from the seller to the at least one host and requesting for payment approval of the purchase order from a payment card issuer of the pre-registered payment card through the at least one host; and
matching the payment authorization request received from the buyer and the payment approval request received from the seller by the at least one host.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for secure electronic commerce (eCommerce) transactions having one or more trusted payment hosts where consumers/buyers can register credit card information and/or any payment card information and the corresponding secret keys for the credit card or payment card with the one or more payment hosts are provided. Embodiments of the invention include a method of engaging a purchase order in an online electronic transaction on the spot, where a seller posts and advertises at least one online electronic link embedded in a web-page or in an e-mail provided by a server.
77 Citations
45 Claims
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1. A method of processing a purchase order in an online electronic transaction, where a seller posts at least one online electronic link provided by a server, comprising:
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providing the online electronic link of the seller through the server for a buyer to invoke the online electronic link and place the purchase order with the seller; creating a data form with a payment authorization link for the purchase order from the online electronic link; generating an orderID for the purchase order; generating through the payment authorization link a payment authorization request for the buyer to complete and to use to authorize payment of the purchase order by a pre-registered payment card of the buyer without disclosing a payment card number, wherein the buyer has pre-registered information related to the payment card in a pre-registered payment account with at least one host and has assigned secret keys for the pre-registered payment account with the at least one host; sending the payment authorization request to the at least one host after the buyer fills out the secret keys for the pre-registered payment account on the payment authorization request, wherein the payment authorization request includes information on the purchase order, the orderID, and the secret keys for the pre-registered payment account; verifying the payment authorization request by the at least one host; sending the purchase order and the orderID to the seller; and sending a payment approval request having the purchase order and the orderID from the seller to the at least one host and requesting for payment approval of the purchase order from a payment card issuer of the pre-registered payment card through the at least one host; and matching the payment authorization request received from the buyer and the payment approval request received from the seller by the at least one host. - 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)
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24. A method of processing a purchase order in an online electronic transaction, where an order management center posts at least one online electronic link provided by a server, comprising:
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providing the online electronic link by the order management center through the server for a buyer to invoke the online electronic link and place the purchase order with the order management center; creating a data form with a payment authorization link for the purchase order from the online electronic link; generating an orderID for the purchase order; generating through the payment authorization link a payment authorization request for the buyer to complete and to use to authorize payment of the purchase order by a pre-registered payment card of the buyer without disclosing a payment card number, wherein the buyer has pre-registered information related to the payment card in a pre-registered payment account with at least one host and has assigned secret keys for the pre-registered payment account with the at least one host; sending the payment authorization request to the at least one host after the buyer fills out the secret keys for the pre-registered payment account on the payment authorization request, wherein the payment authorization request includes information on the purchase order, the orderID, and the secret keys for the pre-registered payment account; verifying the payment authorization request by the at least one host; sending the purchase order and the orderID to the order management center; sending the purchase order and the orderID from the order management center to a seller which is selected based on predetermined criteria from a plurality of sellers who have registered with the order management center; sending a payment approval request having the purchase order and the orderID from the seller to the at least one host and requesting for payment approval of the purchase order from a payment card issuer of the pre-registered payment card through the at least one host; and matching the payment authorization request received from the buyer and the payment approval request received from the seller by the at least one host. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A method of processing a purchase order in an online electronic transaction, where a seller posts at least one online electronic link provided by a server, comprising:
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providing the online electronic link of the seller through the server for a buyer to invoke the online electronic link and place the purchase order with the seller; creating a data form with a payment authorization link for the purchase order from the online electronic link; generating an orderID for the purchase order; generating through the payment authorization link a payment authorization request for the buyer to complete and to use to authorize payment of the purchase order by a pre-registered payment card without disclosing a payment card number, wherein the buyer has pre-registered information related to the payment card in a pre-registered payment account with at least one host and has assigned secret keys for the pre-registered payment account with the at least one host; sending the payment authorization request to the at least one host after the buyer fills out the secret keys for the pre-registered payment account on the payment authorization request, wherein the payment authorization request includes information on the purchase order, the orderID, and the secret keys for the pre-registered payment account; verifying the payment authorization request by the at least one host; generating a transactionID by the at least one host; sending the purchase order and the transactionID from the at least one host to the seller; sending a payment approval request having the purchase order and the transactionID from the seller to the at least one host and requesting for payment approval of the purchase order from a payment card issuer of the pre-registered payment card through the at least one host; and matching the payment authorization request received from the buyer and the payment approval request received from the seller by the at least one host over a time period determined by the at least one host to validate the purchase order by the at least one host. - View Dependent Claims (43, 44, 45)
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Specification