SYSTEM FOR VERIFYING ELECTRONIC TRANSACTIONS
0 Assignments
0 Petitions
Accused Products
Abstract
The invention is an electronic payment system designed to capture payments from customers in an ecommerce environment, including on-line via a browser, a mobile browser or a mobile application, which can support any card payment method but can also integrate with e Wallets such as Pay Pal and Google checkout, and which enhances security for all parties using two factor two channel authentication and card fragmentation solutions, and which simplifies and enhances the payment process for shoppers and consumers.
-
Citations
86 Claims
-
1-72. -72. (canceled)
-
73. A system for verifying electronic transactions, the system comprising:
-
a computer; and a payment gateway server, the computer operable by a user to initiate a purchasing transaction using a first application running on the computer, the purchasing transaction being processed by the payment gateway server in communication with the first application running on the computer, wherein the payment gateway server is operable to communicate with a second application running on the computer, the second application running on the computer operable by the user to confirm that the purchasing transaction was initiated by the user, wherein the computer is a mobile device, and when the user adds a card to their account associated with the payment gateway server the second application is operable to connect to the card Issuer and, using an authentication process with the card Issuer, the mobile device is issued with a certificate by the issuer allowing the user to use the card for future transactions via the mobile device, and wherein the certificate is only stored on the mobile device and is unique to the mobile device. - View Dependent Claims (74, 75)
-
-
76. A system for verifying electronic transactions, the system comprising:
-
a first computer; a second computer; and a payment gateway server, the first computer operable by a user to initiate a purchasing transaction, the purchasing transaction being processed by the payment gateway server in communication with the first computer, wherein the payment gateway server is operable to communicate with the second computer, the second computer operable by the user to confirm that the purchasing transaction was initiated by the user, wherein the second computer is a mobile device, and when the user adds a card to their account associated with the payment gateway server the second computer is operable to connect to the card Issuer and, using an authentication process with the card Issuer, the mobile device is issued with a certificate by the issuer allowing the user to use the card for future transactions via the mobile device, and wherein the certificate is only stored on the mobile device and is unique to the mobile device. - View Dependent Claims (77, 78)
-
- 79. A system for splitting/dividing up primary account numbers (PAN) wherein one part of the PAN is held on a portable device and another part of the PAN is held by a gateway server.
-
86-118. -118. (canceled)
Specification