WO2002006933A3 - A system and method of making on-line purchases with enhanced security - Google Patents

A system and method of making on-line purchases with enhanced security Download PDF

Info

Publication number
WO2002006933A3
WO2002006933A3 PCT/US2001/022463 US0122463W WO0206933A3 WO 2002006933 A3 WO2002006933 A3 WO 2002006933A3 US 0122463 W US0122463 W US 0122463W WO 0206933 A3 WO0206933 A3 WO 0206933A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
clearinghouse
transaction
merchant
data
Prior art date
Application number
PCT/US2001/022463
Other languages
French (fr)
Other versions
WO2002006933A2 (en
Inventor
John M Cockerham
Original Assignee
Touchsafe Com
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
Application filed by Touchsafe Com filed Critical Touchsafe Com
Priority to AU2001273530A priority Critical patent/AU2001273530A1/en
Publication of WO2002006933A2 publication Critical patent/WO2002006933A2/en
Publication of WO2002006933A3 publication Critical patent/WO2002006933A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G06F21/6263—Protecting personal data, e.g. for financial or medical purposes during internet communication, e.g. revealing personal data from cookies
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Abstract

The present invention is a system and method of providing user PC-controlled encryption protocol. A merchant and a user are connected to a network. The user purchases items from the merchant with the transaction being processed through a credit card clearinghouse. Merchant provides a Book Mark Index and a Transaction Number to connected nodes. A User generates the encryption key by designating an encryption method and inserting the representative number at the Book Mark Index. The encryption key is sent to the Merchant and the Clearinghouse. The user sends the transaction number and associated information to a Clearinghouse. The user further sends shipping and communication data to the merchant and Data Pointers to the Clearinghouse. The user authenticates their person and the transaction, allowing the user to communicate with the Clearinghouse. The clearinghouse verifies the data pointers with the full customer profile. The Clearinghouse then verifies the customer's account balances and provides the transaction approval / disapproval directly to the Merchant. A Data Transaction Monitor tracks and pays the payment service for each approved transaction placed by a registered user.
PCT/US2001/022463 2000-07-18 2001-07-17 A system and method of making on-line purchases with enhanced security WO2002006933A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001273530A AU2001273530A1 (en) 2000-07-18 2001-07-17 A system and method of making on-line purchases with enhanced security

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US21921300P 2000-07-18 2000-07-18
US60/219,213 2000-07-18

Publications (2)

Publication Number Publication Date
WO2002006933A2 WO2002006933A2 (en) 2002-01-24
WO2002006933A3 true WO2002006933A3 (en) 2003-07-10

Family

ID=22818341

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/022463 WO2002006933A2 (en) 2000-07-18 2001-07-17 A system and method of making on-line purchases with enhanced security

Country Status (2)

Country Link
AU (1) AU2001273530A1 (en)
WO (1) WO2002006933A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1751908B1 (en) * 2004-05-10 2016-07-13 Koninklijke Philips N.V. Personal communication apparatus capable of recording transactions secured with biometric data

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4906828A (en) * 1983-02-28 1990-03-06 Paperless Accounting, Inc. Electronic money purse and fund transfer system
WO1999013434A1 (en) * 1997-09-10 1999-03-18 Lewis William H Portable system for personal identification
WO2000000928A1 (en) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Apparatus and methods for imaging written information with a mobile telephone set
US6072870A (en) * 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4906828A (en) * 1983-02-28 1990-03-06 Paperless Accounting, Inc. Electronic money purse and fund transfer system
US6072870A (en) * 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
WO1999013434A1 (en) * 1997-09-10 1999-03-18 Lewis William H Portable system for personal identification
WO2000000928A1 (en) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Apparatus and methods for imaging written information with a mobile telephone set

Also Published As

Publication number Publication date
WO2002006933A2 (en) 2002-01-24
AU2001273530A1 (en) 2002-01-30

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