EP 1295267 A2 20030326 - AN IMPROVED METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK WITHOUT A PSEUDO OR PROXY ACCOUNT NUMBER
Title (en)
AN IMPROVED METHOD AND SYSTEM FOR CONDUCTING SECURE PAYMENTS OVER A COMPUTER NETWORK WITHOUT A PSEUDO OR PROXY ACCOUNT NUMBER
Title (de)
VERBESSERTES VERFAHREN UND SYSTEM ZUM AUSFÜHREN GESICHERTER ZAHLUNGEN ÜBER EIN COMPUTERNETZWERK OHNE PSEUDO- ODER PROXYKONTONUMMER
Title (fr)
PROCEDE ET SYSTEME AMELIORES PERMETTANT D'EFFECTUER DES PAIEMENTS SECURISES SUR UN RESEAU INFORMATIQUE SANS L'AIDE D'UN NUMERO DE COMPTE FAUX OU DE SUBSTITUTION
Publication
Application
Priority
- US 0119754 W 20010621
- US 21332500 P 20000622
- US 22516800 P 20000814
- US 80936701 A 20010315
- US 83304901 A 20010411
Abstract (en)
[origin: WO0199071A2] A method is provided for conducting an electronic transaction with a payment account number having a certain amount of available funds, using a payment network and a "check site". The method comprises the following steps: (a) generating a secret key associated with the payment account number; (b) using the secret key to generate a message authentication code ("MAC") specific to the transaction; (c) generating an authorization request message including the message authentication code; (d) forwarding the authorization request message over the payment network to the check site for verifying the authenticity of the MAC; (e) verifying the message authentication code by the check site using the secret key; (f) responding to the authorization request message over the payment network based on the available funds and the transaction amount.
IPC 1-7
IPC 8 full level
G06F 21/31 (2013.01); G06F 21/44 (2013.01); G06Q 20/00 (2012.01); G06Q 30/00 (2012.01); G09C 1/00 (2006.01); H04L 9/32 (2006.01)
CPC (source: EP)
G06Q 20/00 (2013.01); G06Q 20/02 (2013.01); G06Q 20/04 (2013.01); G06Q 20/14 (2013.01); G06Q 20/24 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/403 (2013.01); G06Q 30/06 (2013.01)
Citation (search report)
See references of WO 0199071A2
Citation (examination)
D. O'MAHONY, M. PIERCE, H. TEWARI: "Electronic Payment Systems", 1997, ARTECH HOUSE, BOSTON, LONDON, 236620
Designated contracting state (EPC)
AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR
DOCDB simple family (publication)
WO 0199071 A2 20011227; WO 0199071 A3 20020530; AU 2001270012 B2 20060928; AU 2001270012 B8 20061116; AU 7001201 A 20020102; CA 2413882 A1 20011227; EP 1295267 A2 20030326; JP 2003536181 A 20031202; JP 4903346 B2 20120328
DOCDB simple family (application)
US 0119754 W 20010621; AU 2001270012 A 20010621; AU 7001201 A 20010621; CA 2413882 A 20010621; EP 01948539 A 20010621; JP 2002503838 A 20010621