SMARTCARD INTERNET AUTHORIZATION SYSTEM
First Claim
1. A method for authorizing a transaction, the method comprising:
- initiating a transaction by receiving a request over a network at a wallet server, from said user, for payment authorization, wherein said request includes transaction card information and a selection of a financial institution;
prompting said user to cause a card reader system to read said transaction card, wherein said transaction card comprises transaction card information including a digital certificate uniquely identifying said transaction card;
receiving said transaction card information from a computer communicating with said card reader system;
sending an authentication request for said transaction to a security server of said selected financial institution and said transaction card information by said wallet server to a security server of said selected financial institution;
receiving , by said wallet server, an authentication for said transaction from said security server;
completing an authorization request for said transaction and transmitting said authorization request to said merchant server;
requesting authorization of said authentication request from said security server by said merchant server;
authenticating said authorization request by said security server using said transaction card information; and
, receiving authorization request authentication from said security server by said merchant server, and said merchant server completing said transaction and receiving value from an account of said user.
4 Assignments
0 Petitions
Accused Products
Abstract
A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant'"'"'s server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.
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Citations
6 Claims
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1. A method for authorizing a transaction, the method comprising:
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initiating a transaction by receiving a request over a network at a wallet server, from said user, for payment authorization, wherein said request includes transaction card information and a selection of a financial institution;
prompting said user to cause a card reader system to read said transaction card, wherein said transaction card comprises transaction card information including a digital certificate uniquely identifying said transaction card;
receiving said transaction card information from a computer communicating with said card reader system;
sending an authentication request for said transaction to a security server of said selected financial institution and said transaction card information by said wallet server to a security server of said selected financial institution;
receiving , by said wallet server, an authentication for said transaction from said security server;
completing an authorization request for said transaction and transmitting said authorization request to said merchant server;
requesting authorization of said authentication request from said security server by said merchant server;
authenticating said authorization request by said security server using said transaction card information; and
,receiving authorization request authentication from said security server by said merchant server, and said merchant server completing said transaction and receiving value from an account of said user. - View Dependent Claims (2, 3, 4)
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5. A system for authorizing a transaction, said system comprising:
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a wallet server comprising;
a first hardware interface receiving an authorization request over a network from a user, for payment authorization, wherein said authorization request includes transaction card information from a transaction card and a selection of a financial institution;
a second hardware interface prompting said user to physically interface a transaction card with a card reader system, wherein said transaction card comprises transaction card information including a digital certificate uniquely identifying said transaction card;
storage device receiving said smart card information from a computer communicating with said smart card system;
a processor sending an authentication request for said transaction to a security server of said selected financial institution and said transaction card information to a security server of said financial institution;
a first hardware module receiving an authentication for said transaction from said security server;
a second hardware module completing an authorization request for said transaction and transmitting said authorization request to said merchant server;
said security server comprising;
a hardware module authenticating said authorization request by using said transaction card information;
said merchant server comprising;
a first processor requesting authorization of the authentication request from the security server;
a second processor receiving authorization request authentication from said security server by said merchant server, and said merchant server completing said transaction and receiving value from an account of said user.
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6. A computer-readable storage medium containing a set of instructions for a general purpose computer, wherein said set of instructions when executed by the general purpose computer cause the computer to perform the steps of:
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initiating a transaction based on said shopping by receiving a request over a network at a wallet server, from a said user, for payment authorization, wherein said request includes transaction card information and a selection of a financial institution;
prompting said user to physically interface a transaction card with a card reader system, wherein said transaction card comprises transaction card information including a digital certificate uniquely identifying said transaction card;
receiving said transaction card information from a computer communicating with said card reader system;
sending an authentication request for said transaction to a security server of said selected financial institution and said transaction card information by said wallet server to a security server of said selected financial institution;
receiving, by said wallet server, an authentication for said transaction from said security server;
completing an authorization request for said transaction, by said wallet server, and transmitting said authorization request to said merchant server;
requesting authorization of said authentication request from said security server by said merchant server;
authenticating said authorization request by said security server using said transaction card information; and
, receiving authorization request authentication from said security server by said merchant server, and said merchant server completing said transaction and receiving value from an account of said user.
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Specification