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Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet

  • US 6,834,271 B1
  • Filed: 11/29/1999
  • Issued: 12/21/2004
  • Est. Priority Date: 09/24/1999
  • Status: Expired due to Term
First Claim
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1. A method of transacting a secure purchase via the Internet, comprising:

  • browsing a merchant web site by a user;

    selecting an item to purchase on the merchant web site;

    sending, from the merchant web site to a user computer, information with an embedded application which communicates with a PIN/PAD and instructs the user as needed using a dynamic HTML page;

    creating an encrypted PIN block using a unique session key;

    building an order from the merchant web site including purchase information and the encrypted PIN block to form a data block and further encrypting the data block to form an encrypted payment block;

    forwarding the encrypted payment block directly to a secure host over the Internet;

    decrypting the encrypted payment block by the secure host;

    routing a decrypted payment block formatted for use by a bank system;

    proceeding with the order if the secure host receives from the bank system a bank authorization for the purchase, and if no authorization is received, then canceling the purchase;

    forwarding the authorization to the merchant web site over the Internet; and

    sending an indication of a completion of the purchase to the user over the Internet, wherein the dynamic HTML page is a JAVA script with hidden fields.

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  • 6 Assignments
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