Electronic commerce using a secure courier system
First Claim
1. A system for implementing electronic commerce over a public network, comprising:
- a secure transport layer including a channel security mechanism comprising a keyed message digest computation, wherein said secure transport layer supports data privacy and integrity for communications between any two network nodes, such that two secure channels are provided, where there is one channel between a customer and a merchant and another channel between said merchant and an acquirer gateway such that said merchant and said acquirer are authenticated to each other and to said customer; and
a secure courier message for implementing an electronic payment protocol that provides at least any of signature, non-repudiation, and secondary encryption terms wherein node-to-node authentication, privacy, and data integrity are automatically achieved by said secure transport layer.
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Accused Products
Abstract
A courier electronic payment system provides customers, merchants, and banks with a secure mechanism for using a public network as a platform for credit card payment services. The system governs the relationship between a Customer, Merchant, and Acquirer Gateway to perform credit card purchases over such networks as the Internet. The system uses a secure connection to simplify the problem of Internet-based financial transactions in accordance with an electronic payment protocol that secures credit card payments and certifies infrastructure that is required to enable all of the parties to participate in the electronic commerce, as well as to provide the necessary formats and interfaces between the different modules and systems.
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Citations
36 Claims
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1. A system for implementing electronic commerce over a public network, comprising:
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a secure transport layer including a channel security mechanism comprising a keyed message digest computation, wherein said secure transport layer supports data privacy and integrity for communications between any two network nodes, such that two secure channels are provided, where there is one channel between a customer and a merchant and another channel between said merchant and an acquirer gateway such that said merchant and said acquirer are authenticated to each other and to said customer; and a secure courier message for implementing an electronic payment protocol that provides at least any of signature, non-repudiation, and secondary encryption terms wherein node-to-node authentication, privacy, and data integrity are automatically achieved by said secure transport layer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
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30. In an authorization group consisting of a customer, a merchant, and an acquirer, a transaction method comprising the steps of:
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sending a purchase-order, payment Instruction (PI) message to a merchant; and said merchant to responding with; SM (H(Purchase-Order, PI), Date, Time); where; H(value)=a message digest of value using a negotiated message digest algorithm. - View Dependent Claims (31, 32, 33, 34, 35, 36)
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Specification