SYSTEMS AND METHODS FOR MULTIPLE SESSIONS DURING AN ON-LINE TRANSACTION

• US 20080120229A1
• Filed: 11/21/2007
• Published: 05/22/2008
• Est. Priority Date: 11/21/2006
• Status: Active Grant

• Current Assignee: Verient Incorporated
• Original Assignee: Verient Incorporated
• Inventors: Shakkarwar, Rajesh G., Patil, Sanjaykumar Hanmantrao
• Granted Patent: US 7,620,600 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: Y10S 715/975 Pop-up dialog box for entry

Abstract

The present invention generally relates to a system and a method for establishing a separate session during an on-line session. In one aspect, a method for establishing a session with a server during an on-line transaction session is provided. The method includes detecting an on-line payment page and inserting a code into the on-line payment page, wherein the code is scripted to open a first pop-up window. The method further includes prompting a user via the first pop-up to answer a question, wherein the question is used to determine if a secure payment process is to be used. Additionally, the method includes opening the session with the server via a second pop-up window if the answer to the question is affirmative.

Claims

1. A method for processing an on-line payment transaction, the method comprising:

detecting an on-line payment page;

inserting code into the on-line payment page, wherein the code is configured to generate a display area mimicking the appearance of a pop-up window;

prompting a user via the display area to select whether to use a secure payment process in processing the on-line payment transaction;

opening a first pop-up window in response to the user selecting to use the secure payment process; and

establishing a network session between the first pop-up window and at least one server.

2. The method of claim 1, further comprising proceeding with the on-line payment transaction using a secure payment process.

3. The method of claim 2, wherein the secure payment process includes accessing an account on an institution server for use during the on-line payment transaction.

4. The method of claim 1, wherein the code is a section of HTML for the payment page.

5. The method of claim 1, wherein the display area is an in-window pop-up.

6. The method of claim 1, further comprising opening a second pop-up window and establishing a second network session between the second pop-up window and a second server.

7. The method of claim 1, wherein the on-line payment page is detected by evaluating source code of the payment page.

8. The method of claim 1, wherein the network session with the at least one server is separate from the on-line payment transaction.

9. The method of claim 1, wherein the first pop-up window is configured to display user account information generated by data sent by an institution server.

10. The method of claim 1 wherein the at least one server is an authentication server that is configured to authenticate the user.

11. The method of claim 1, wherein the at least one server is a securepay server that is configured to generate a virtual card for use in the on-line payment transaction.

12. The method of claim 1, wherein the at least one server is a preference server that is configured to select an institution server based upon preferences established by the user.

13. A computer-readable medium including a set of instructions that when executed by a processor cause the processor to process an on-line payment transaction, by performing the steps of:

detecting an on-line payment page;

inserting code into the on-line payment page, wherein the code is configured to generate a display area mimicking the appearance of a pop-up window;

prompting a user via the display area to select whether to use a secure payment process in processing the on-line payment transaction;

opening a first pop-up window in response to the user selecting to use the secure payment process; and

establishing a network session between the first pop-up window and at least one server.

14. The computer-readable medium of claim 13, wherein the code is a section of HTML for the payment page.

15. The computer-readable medium of claim 13, wherein the display area is an in-window pop-up.

16. The computer-readable medium of claim 13, wherein the first pop-up window is configured to display user account information generated by data sent by an institution server.

17. The computer-readable medium of claim 13, further comprising opening a second pop-up window and establishing a second network session between the second pop-up window and a second server.

18. A system for establishing a session during an on-line transaction session, the system comprising:

a processor; and

a memory, wherein the memory includes a program configured to;

detect an on-line payment page;

insert code into the on-line payment page, wherein the code is configured to generate a display area mimicking the appearance of a pop-up window;

prompt a user via the display area to select whether to use a secure payment process in processing the on-line payment transaction;

open a first pop-up window in response to the user selecting to use the secure payment process; and

establish a network session between the first pop-up window and at least one server.

19. The system of claim 18, wherein the program is further configured to open a second pop-up window and establish a second network session between the second pop-up window and a second server.

20. The system of claim 18, wherein the code is a section of HTML for the payment page.

21. The system of claim 18, wherein the display area is an in-window pop-up.

22. The system of claim 18, wherein the on-line payment page is detected by evaluating source code of the payment page.

23. The system of claim 18, wherein the first pop-up window is configured to display user account information generated by data sent by an institution server.