Secure transaction protocol
First Claim
1. A method for engaging in a secure transaction with a merchant server using a secure transaction account, comprising:
- receiving a request from a consumer device to engage in a transaction with said merchant server using said secure transaction account;
in response to said transaction request, determining whether said consumer device is associated with said secure transaction account;
in response to determining that said consumer device is associated with said secure transaction account, initiating a secure transaction between said consumer device and said merchant server; and
fulfilling a purpose of said secure transaction for a consumer associated with said consumer device.
3 Assignments
0 Petitions
Accused Products
Abstract
A system for engaging in secure transactions over an internetwork, involving, a consumer, a merchant and a Transaction Authority as parties to a transaction. To initiate the transaction the consumer makes an inquiry with the merchant who then returns a signed offer. The consumer then accepts the offer by also signing the offer. The doubly signed offer is then forwarded to the Transaction Authority. The Transaction Authority validates the transaction by checking both the authority and identity of the merchant and the consumer. The Transaction Authority then signs the offer to create a triply signed offer. The Transaction Authority returns the triply signed offer to the merchant. Once the merchant has a validated offer they are then able to request settlement of the transaction from the Transaction Authority, either immediately, or at some future date by sending a settlement request to the Transaction Authority.
215 Citations
22 Claims
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1. A method for engaging in a secure transaction with a merchant server using a secure transaction account, comprising:
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receiving a request from a consumer device to engage in a transaction with said merchant server using said secure transaction account;
in response to said transaction request, determining whether said consumer device is associated with said secure transaction account;
in response to determining that said consumer device is associated with said secure transaction account, initiating a secure transaction between said consumer device and said merchant server; and
fulfilling a purpose of said secure transaction for a consumer associated with said consumer device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 19)
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9. A method for engaging in a secure transaction with a merchant server using a secure transaction account associated with a consumer device, comprising:
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receiving a request from a consumer device to engage in a transaction with said merchant server using said secure transaction account;
in response to said transaction request, transmitting an validation request to a transaction server;
in response to a positive validation from said transaction server, initiating a secure transaction between said consumer device and said merchant server; and
fulfilling a purpose of said secure transaction for a consumer associated with said consumer device. - View Dependent Claims (10, 20)
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11. A method for settling at least one secure transaction, the method comprising:
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receiving at least one settlement transaction request from a merchant server;
determining that said at least one settlement transaction request is permissible;
in response to determining that said at least one settlement transaction request is permissible, processing said at least one settlement transaction request;
in response to processing said at least one transaction request, adjusting a merchant account associated with said merchant server. - View Dependent Claims (12, 13, 21)
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14. A method for generating a report comprising receiving a report request from a merchant server using a secure transaction account;
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in response to said report request, determining whether said merchant server is associated with said secure transaction account;
in response to determining that said merchant server is associated with said secure transaction account, generating a report; and
transmitting said report to said merchant server. - View Dependent Claims (15, 22)
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16. A system for engaging in a secure transaction, comprising:
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a consumer device operative to engage in a secure transaction using a secure transaction account; and
a merchant server operative to;
receive a request from a consumer device to engage in a transaction with said merchant server using said secure transaction account;
in response to said transaction request, determine whether said consumer device is associated with said secure transaction account;
in response to determining that said consumer device is associated with said secure transaction account, initiate a secure transaction between said consumer device and said merchant server; and
fulfill a purpose of said secure transaction for a consumer associated with said consumer device. - View Dependent Claims (17, 18)
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Specification