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SECURE ONLINE TRANSACTION PROCESSING

  • US 20120197807A1
  • Filed: 01/28/2011
  • Published: 08/02/2012
  • Est. Priority Date: 01/28/2011
  • Status: Active Grant
First Claim
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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.

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