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AU7001201A - An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number - Google Patents

An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number

Info

Publication number
AU7001201A
AU7001201A AU7001201A AU7001201A AU7001201A AU 7001201 A AU7001201 A AU 7001201A AU 7001201 A AU7001201 A AU 7001201A AU 7001201 A AU7001201 A AU 7001201A AU 7001201 A AU7001201 A AU 7001201A
Authority
AU
Australia
Prior art keywords
pseudo
computer network
account number
improved method
proxy account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
AU7001201A
Inventor
Edward J Hogan
Carl M Campbell Jr
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US09/809,367 external-priority patent/US9672515B2/en
Priority claimed from US09/833,049 external-priority patent/US7379919B2/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of AU7001201A publication Critical patent/AU7001201A/en
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
AU7001201A 2000-06-22 2001-06-21 An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number Pending AU7001201A (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US21332500P 2000-06-22 2000-06-22
US22516800P 2000-08-14 2000-08-14
US09/809,367 US9672515B2 (en) 2000-03-15 2001-03-15 Method and system for secure payments over a computer network
US09/833,049 US7379919B2 (en) 2000-04-11 2001-04-11 Method and system for conducting secure payments over a computer network
PCT/US2001/019754 WO2001099071A2 (en) 2000-06-22 2001-06-21 An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number

Publications (1)

Publication Number Publication Date
AU7001201A true AU7001201A (en) 2002-01-02

Family

ID=27498926

Family Applications (2)

Application Number Title Priority Date Filing Date
AU7001201A Pending AU7001201A (en) 2000-06-22 2001-06-21 An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number
AU2001270012A Ceased AU2001270012B8 (en) 2000-06-22 2001-06-21 An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number

Family Applications After (1)

Application Number Title Priority Date Filing Date
AU2001270012A Ceased AU2001270012B8 (en) 2000-06-22 2001-06-21 An improved method and system for conducting secure payments over a computer network without a pseudo or proxy account number

Country Status (5)

Country Link
EP (1) EP1295267A2 (en)
JP (1) JP4903346B2 (en)
AU (2) AU7001201A (en)
CA (1) CA2413882A1 (en)
WO (1) WO2001099071A2 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6732270B1 (en) * 2000-10-23 2004-05-04 Motorola, Inc. Method to authenticate a network access server to an authentication server
EP1436746A4 (en) 2001-10-17 2007-10-10 Npx Technologies Ltd Verification of a person identifier received online
KR101100385B1 (en) * 2004-03-22 2011-12-30 삼성전자주식회사 Method and device for digital rights management using certificate revocation list
DE102009024984A1 (en) * 2009-06-16 2010-12-23 Giesecke & Devrient Gmbh Method for executing electronic bank transaction through Internet, involves interrupting transaction when comparison is produced automatically such that inspection value is different from another inspection value
CA2876744A1 (en) * 2012-06-15 2013-12-19 Edatanetworks Inc. Systems and methods for incenting consumers
US12093935B2 (en) * 2021-12-17 2024-09-17 Mastercard International Incorporated Method and system of integrating blockchain technology with existing computer architecture

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2168514A (en) * 1984-12-12 1986-06-18 Ibm Security module
JPH01243175A (en) * 1988-03-24 1989-09-27 Nippon Ginkou Method for confirming settlement for electronic settlement system
EP1235177A3 (en) * 1993-12-16 2003-10-08 divine technology ventures Digital active advertising
GB9416595D0 (en) * 1994-08-17 1994-10-12 British Telecomm User authentication in a communications network
JP3599493B2 (en) * 1996-09-10 2004-12-08 日本銀行 Electronic cash method and user device with separate issuing agency number registration type
WO1998018251A2 (en) * 1996-10-23 1998-04-30 Philips Electronics N.V. Payment scheme for a mobile communication service
JP3435682B2 (en) * 1997-08-15 2003-08-11 日本電信電話株式会社 Electronic cash deposit method, device thereof, and program recording medium
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
US6102287A (en) * 1998-05-15 2000-08-15 International Business Machines Corporation Method and apparatus for providing product survey information in an electronic payment system
GB2338381A (en) * 1998-06-10 1999-12-15 Barclays Bank Plc Cryptographic authentication for internet using two servers
JP2000322486A (en) * 1999-02-12 2000-11-24 Citibank Na Method and system for fulfilling bank card transactions
EP1269429A2 (en) * 2000-03-15 2003-01-02 Mastercard International, Inc. Method and system for secure payments over a computer network

Also Published As

Publication number Publication date
CA2413882A1 (en) 2001-12-27
JP4903346B2 (en) 2012-03-28
EP1295267A2 (en) 2003-03-26
AU2001270012B8 (en) 2006-11-16
AU2001270012B2 (en) 2006-09-28
WO2001099071A2 (en) 2001-12-27
WO2001099071A3 (en) 2002-05-30
JP2003536181A (en) 2003-12-02

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