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Method for secure electronic commercial transaction on-line processing

  • US 20030110137A1
  • Filed: 12/10/2002
  • Published: 06/12/2003
  • Est. Priority Date: 12/11/2001
  • Status: Active Grant
First Claim
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1. A method for on-line processing of electronic commercial transactions between a purchaser'"'"'s network access device and a vendor'"'"'s computer connectable over a first, open data communication network, the method comprising:

  • providing at least one transaction-processing computer distinct from the vendor'"'"'s computer;

    under the control of the purchaser'"'"'s network access device, establishing a connection to the vendor'"'"'s computer over the open data communication network;

    under the control of the purchaser'"'"'s network access device, transmitting to the vendor'"'"'s computer, over the open data communication network, non-security-sensitive identifying information allowing the vendor'"'"'s computer to identify the purchaser as enabled to perform the transaction;

    under the control of the vendor'"'"'s computer, transmitting to the purchaser'"'"'s network access device non-security-sensitive transaction information including a transaction amount;

    under the control of the purchaser'"'"'s network access device, establishing a connection to the transaction processing computer over a second, non-open data communication network, and transmitting to the transaction-processing computer, over the non-open data communication network, the transaction information and security-sensitive information, including a purchaser'"'"'s personal identification information for allowing the transaction-processing computer to ascertain the identity of the purchaser; and

    under the control of the transaction processing computer identifying the purchaser by using the purchaser'"'"'s personal identification information, charging the transaction amount on a purchaser'"'"'s account, establishing a connection to the vendor'"'"'s computer over a third, non-open data communication network, and communicating to the vendor'"'"'s computer a transaction approval.

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