Internet site authentication with payments authorization data
First Claim
1. A system comprising:
- a server;
an electronic storage device having a database that comprises information regarding whether a merchant website is registered with a payment card network;
a communication network for allowing access to the server by the payment card network;
a payment cardholder computer device of a user, the payment cardholder computer device comprises a processor configured for communication with the communication network, wherein the processor is configured to perform operations of;
accessing the merchant website to initiate a non-fictitious shopping browser session for a real transaction;
initiating a proxy browser session at the merchant website automatically upon accessing of the merchant website;
adding a random item to a shopping cart of the merchant website automatically as part of the proxy browser session;
automatically commencing a fictitious proxy checkout from the proxy browser session to initiate an authorization request by the payment card network;
receiving, in the shopping browser session, a result of the authorization request, wherein the result is whether the merchant website is authorized by the payment card network; and
notifying the user of the result by displaying a visual cue on the payment cardholder computer device wherein, if the result is a notice that the merchant website is a phishing website that is not connected to the payment card network, the processor further performs operations of;
preventing the user from inputting information in the shopping session, thereby preventing a phishing; and
wherein, if the result is that the merchant website is an authorized website that is connected to the payment card network, the system authorizes a real transaction through the shopping browser session.
1 Assignment
0 Petitions
Accused Products
Abstract
A system for identification by a payment cardholder of phishing and/or deceptive Websites is provided. The system includes an electronic storage device having a database of merchant or financial institution Website registration with a payment card network information stored therein. The system includes an access path for allowing access to the merchant or financial institution Website registration with a payment card network information. The system includes a processor for assembling the merchant or financial institution Website registration with a payment card network information in the database, and for communicating the assembled merchant or financial institution Website registration with a payment card network information to a payment cardholder that has been granted access to the database.
-
Citations
21 Claims
-
1. A system comprising:
-
a server; an electronic storage device having a database that comprises information regarding whether a merchant website is registered with a payment card network; a communication network for allowing access to the server by the payment card network; a payment cardholder computer device of a user, the payment cardholder computer device comprises a processor configured for communication with the communication network, wherein the processor is configured to perform operations of; accessing the merchant website to initiate a non-fictitious shopping browser session for a real transaction; initiating a proxy browser session at the merchant website automatically upon accessing of the merchant website; adding a random item to a shopping cart of the merchant website automatically as part of the proxy browser session; automatically commencing a fictitious proxy checkout from the proxy browser session to initiate an authorization request by the payment card network; receiving, in the shopping browser session, a result of the authorization request, wherein the result is whether the merchant website is authorized by the payment card network; and notifying the user of the result by displaying a visual cue on the payment cardholder computer device wherein, if the result is a notice that the merchant website is a phishing website that is not connected to the payment card network, the processor further performs operations of;
preventing the user from inputting information in the shopping session, thereby preventing a phishing; andwherein, if the result is that the merchant website is an authorized website that is connected to the payment card network, the system authorizes a real transaction through the shopping browser session. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A system comprising:
-
a server and electronic storage device having a database that comprises information regarding whether a financial institution website is registered with a payment card network; a communication network for allowing access to the server by the payment card network; and a payment cardholder computer device comprising a processor that is configured for communication with the communication network, wherein the processor performs operations of; accessing the financial institution website to initiate a non-fictitious shopping browser session for a real transaction; initiating a proxy browser session at the financial institution website upon accessing the financial institution website; adding an item to a shopping cart of the financial institution website automatically as part of the proxy browser session; automatically commencing a fictitious proxy checkout to initiate authorization request by the payment card network from the proxy browser session, wherein the fictitious proxy checkout is not completed; receiving, in the non-fictitious shopping session, a result of the authorization request, wherein the result is whether the merchant website is authorized by the payment card network; notifying the user of the result by displaying a visual cue on the payment cardholder computer device; wherein, if the result is a notice that the merchant website is a phishing website that is not connected to the payment card network, the processor further performs operations of;
preventing the user from inputting information in the shopping session, thereby preventing a phishing; andwherein, if the result is that the merchant website is an authorized website that is connected to the payment card network, the system authorizes a real transaction through the non-fictitious shopping browser session. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21)
-
Specification