Mechanism for enabling secure electronic transactions on the open internet
First Claim
1. A method for performing a transaction initiated over an open communication network between a user and a remotely located server, comprising the steps of:
- a. receiving a transaction identification number from the remotely located server over the open network;
b. automatically discontinuing communication between said user and said remotely located server responsive to a request from said user to complete the transaction;
c. automatically establishing communication between said user and a transaction server responsive to the request from said user to complete the transaction, said transaction server being operatively coupled to said user and said remotely located server over a communication network isolated from said open network contemporaneous with step (b) and substantially seamless to said user;
d. transmitting said transaction identification number to said transaction server over said communication network;
e. after the transaction server confirms validity of the transaction identification number, transmitting over said communication network, in response to a request from said transaction server, a transaction authorization number to said transaction server to complete the transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A method is provided for performing a transaction that is initiated over an open communication network between a user and a remotely located server. The open communication network may be the Internet, for example. In accordance with one embodiment of the method, a transaction identification number is received from the remotely located server over the open network and subsequently, communication between the user and the remotely located server is discontinued. Communication is established between the user and a transaction server. The transaction server is operatively coupled to the user and the remotely located server over a communication network which is isolated from the open network. The transaction identification number is transmitted to the transaction server over the communication network. After the transaction server confirms the validity of the transaction identification number, in response to a request from the transaction server, a transaction authorization number is transmitted over the communication network to the transaction server to complete the transaction.
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Citations
31 Claims
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1. A method for performing a transaction initiated over an open communication network between a user and a remotely located server, comprising the steps of:
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a. receiving a transaction identification number from the remotely located server over the open network; b. automatically discontinuing communication between said user and said remotely located server responsive to a request from said user to complete the transaction; c. automatically establishing communication between said user and a transaction server responsive to the request from said user to complete the transaction, said transaction server being operatively coupled to said user and said remotely located server over a communication network isolated from said open network contemporaneous with step (b) and substantially seamless to said user; d. transmitting said transaction identification number to said transaction server over said communication network; e. after the transaction server confirms validity of the transaction identification number, transmitting over said communication network, in response to a request from said transaction server, a transaction authorization number to said transaction server to complete the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer readable medium having a computer program encoded thereon for performing a transaction initiated over an open communication network between a user and a remotely located server, comprising:
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a first portion of said medium having a first program segment for receiving a transaction identification number from the remotely located server over the open network; a second portion of said medium having a second program segment for automatically discontinuing communication between said user and said remotely located server responsive to a request from said user to complete the transaction; a third portion of said medium having a third program segment for automatically establishing communication between said user and a transaction server over a communication network isolated from said open network responsive to the request from said user to complete the transaction, and seamless to said user and contemporaneous with automatically discontinuing communication performed by said second program segment; a fourth portion of said medium having a fourth program segment for transmitting said transaction identification number to said transaction server over said communication network; a fifth portion of said medium having a fifth program segment for transmitting over said communication network, after the transaction server confirms validity of the transaction identification number and in response to a request from said transaction server, a transaction authorization number to said transaction server to complete the transaction. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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Specification