SECURE ONLINE TRANSACTION PROCESSING
First Claim
1. A method for securely processing an online transaction between a customer and a merchant, the method comprising:
- receiving from a merchant system an authentication request including a transaction identifier associated with the online transaction;
transmitting an encryption key to the merchant system in response to the received authentication request, the encryption key corresponding to the transaction identifier;
receiving from a customer system the personal account data associated with the customer, the personal account data being encrypted with the encryption key;
receiving from the merchant system a transaction processing request including the transaction identifier; and
generating a transaction processing response to the merchant system based upon an execution of the transaction processing request.
10 Assignments
0 Petitions
Accused Products
Abstract
Various methods for securely processing an online transaction between a customer and a merchant are disclosed. In one method, an authentication credentials request that includes a transaction identifier is received from a merchant system. In response, an encryption key is transmitted to the merchant system. From a customer system, the personal account data associated with the customer is received, which is encrypted with the encryption key. A transaction processing request from the merchant system prompts the generating of a transaction processing response based upon its execution.
-
Citations
20 Claims
-
1. A method for securely processing an online transaction between a customer and a merchant, the method comprising:
-
receiving from a merchant system an authentication request including a transaction identifier associated with the online transaction; transmitting an encryption key to the merchant system in response to the received authentication request, the encryption key corresponding to the transaction identifier; receiving from a customer system the personal account data associated with the customer, the personal account data being encrypted with the encryption key; receiving from the merchant system a transaction processing request including the transaction identifier; and generating a transaction processing response to the merchant system based upon an execution of the transaction processing request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. A method for securely processing an online transaction between a customer and a merchant, the method comprising:
-
receiving from a customer system a transaction submission request for the online transaction including at least one purchase item identifier with a purchase price associated therewith; transmitting an authentication request to a payment processing system in response to the receipt of the transaction submission request, the authentication request including a transaction identifier associated with the specific received transaction submission request; receiving an encryption key from the payment processing system; transmitting a payment information form with the transaction identifier and the encryption key to the customer system; receiving transaction data entered into the payment information form, the transaction data corresponding to the transaction identifier; transmitting to the payment processing system a transaction processing request including the transaction identifier; and generating a transaction processing response to the customer system based upon results for the transaction processing request to the payment processing system. - View Dependent Claims (11, 12, 13, 14)
-
-
15. A method for securely processing an online transaction between a customer and a merchant, the method comprising:
-
transmitting to a merchant system a transaction submission request for the online transaction including at least one purchase item identifier with a purchase price associated therewith; receiving a payment information form including an encryption key corresponding to a transaction identifier for the online transaction; receiving personal account data and transaction data entered into the payment information form; encrypting the personal account data with the received encryption key; transmitting the encrypted personal account data to a payment processing system; transmitting the transaction data to the merchant system. - View Dependent Claims (16, 17, 18)
-
-
19. An article of manufacture comprising a program storage medium readable by a data processing apparatus, the medium tangibly embodying one or more programs of instructions executable by the data processing apparatus to perform a method for securely processing an online financial transaction between a customer and a merchant, the method comprising:
-
receiving from a customer system a transaction submission request for the online transaction including at least one purchase item identifier with a purchase price associated therewith; transmitting an authentication request to a payment processing system in response to the receipt of the transaction submission request, the authentication request including a transaction identifier associated with the specific received transaction submission request; receiving an encryption key from the payment processing system; transmitting a payment information form with the transaction identifier and the encryption key to the customer system; receiving transaction data entered into the payment information form, the transaction data corresponding to the transaction identifier; transmitting to the payment processing system a transaction processing request including the transaction identifier; and generating a transaction processing response to the customer system based upon results for the transaction processing request to the payment processing system. - View Dependent Claims (20)
-
Specification