SG11201808714WA - System and method for secure web payments - Google Patents
System and method for secure web paymentsInfo
- Publication number
- SG11201808714WA SG11201808714WA SG11201808714WA SG11201808714WA SG11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA SG 11201808714W A SG11201808714W A SG 11201808714WA
- Authority
- SG
- Singapore
- Prior art keywords
- payment
- merchant
- international
- commerce
- computer
- Prior art date
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
- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- 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
- G06Q20/38—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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property —, Organization MD 1111101110101011111 Mt 011131111130 1111111101111101111011# International Bureau 0.. .... .. ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/181185 Al 19 October 2017(19.10.2017) WIPO I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/00 (2012.01) kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, (21) International Application Number: BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, PCT/US2017/027957 DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, (22) International Filing Date: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, 17 April 2017 (17.04.2017) KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, (25) Filing Language: English NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, (26) Publication Language: English RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, (30) Priority Data: ZA, ZM, ZW. 62/323,148 15 April 2016 (15.04.2016) US (84) Designated States (unless otherwise indicated, for every (71) Applicant: VISA INTERNATIONAL SERVICE A550- kind of regional protection available): ARIPO (BW, GH, CIATION [US/US]; P.O. Box 8999, San Francisco, CA GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, 94128 (US). TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, (72) Inventors: BANSAL, Parveen; 901 Metro Center Blvd., TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, Foster City, CA 94404 (US). PATTERSON, Barbara, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, Elizabeth; 901 Metro Center Blvd., Foster City, CA 94404 LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, (US). GIRISH, Aparna, Krishnan; 901 Metro Center SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, — Blvd., Foster City, CA 94404 (US). GW, KM, ML, MR, NE, SN, TD, TG). Published: (74) Agent: SMITH, Andrew, R.; Loeb & Loeb LLP, 321 N. = Clark Street, Suite 2300, Chicago, IL 60654 (US). — with international search report (Art. 21(3)) = = = (54) Title: SYSTEM AND METHOD FOR SECURE WEB PAYMENTS ( -106 100 112~Yment Network System r---103 — _ Module ,--120 Account Holder Computer System = = Ng . C.----) 1,2011 III3 Ell ( .408 102 ® El = Enabler Module .1,....._ -------_,.... 3' Network I133 A = — 2 6 • .. 131 , ,II 132 Merchant E-Commerce Co puler System 154 ___.d .1...110 — , , Ja - _ _ 113_ 11. _ 0 0.LIMI 144 158 LW Token Service Provide 152 132 Module Ell Module 1-1 0 FIG 1 ; ECI2 MEI kin cc 13 • N 140 1M N_.104 Il 1 -1 (57) : Systems and methods may facilitate payment transactions between user computer systems and merchant computer X ) I-1 systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On exe - ---- cution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer I-1 system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary ac - C count holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment ei network system, create payment payload data from data returned by the payment network system, and forward the payload data to 0 the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer P.- system.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201662323148P | 2016-04-15 | 2016-04-15 | |
PCT/US2017/027957 WO2017181185A1 (en) | 2016-04-15 | 2017-04-17 | System and method for secure web payments |
Publications (1)
Publication Number | Publication Date |
---|---|
SG11201808714WA true SG11201808714WA (en) | 2018-11-29 |
Family
ID=60039517
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
SG11201808714WA SG11201808714WA (en) | 2016-04-15 | 2017-04-17 | System and method for secure web payments |
Country Status (9)
Country | Link |
---|---|
US (1) | US20170300909A1 (en) |
EP (1) | EP3443515A4 (en) |
JP (1) | JP2019517055A (en) |
CN (1) | CN109155026A (en) |
AU (1) | AU2017250377A1 (en) |
CA (1) | CA3019922A1 (en) |
RU (1) | RU2018136099A (en) |
SG (1) | SG11201808714WA (en) |
WO (1) | WO2017181185A1 (en) |
Families Citing this family (20)
Publication number | Priority date | Publication date | Assignee | Title |
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US20210019797A1 (en) | 2015-01-09 | 2021-01-21 | Wells Fargo Bank, N.A. | Systems and methods for on demand and location-based offers |
US10990974B1 (en) | 2015-01-15 | 2021-04-27 | Wells Fargo Bank, N.A. | Identity verification services and user information provision via application programming interface |
US10621658B1 (en) | 2015-01-15 | 2020-04-14 | Wells Fargo Bank, N.A. | Identity verification services with identity score through external entities via application programming interface |
US10997654B1 (en) | 2015-01-15 | 2021-05-04 | Wells Fargo Bank, N.A. | Identity verification services through external entities via application programming interface |
US10937025B1 (en) | 2015-01-15 | 2021-03-02 | Wells Fargo Bank, N.A. | Payment services via application programming interface |
US10535047B1 (en) * | 2015-11-19 | 2020-01-14 | Wells Fargo Bank N.A. | Systems and methods for financial operations performed at a contactless ATM |
US10706400B1 (en) | 2015-11-19 | 2020-07-07 | Wells Fargo Bank, N.A. | Systems and methods for financial operations performed at a contactless ATM |
US11645697B2 (en) * | 2016-10-06 | 2023-05-09 | Bread Financial Payments, Inc. | Simple checkout |
US11164188B2 (en) * | 2017-11-14 | 2021-11-02 | Intel Corporation | Methods and apparatus to securely handle chip cards |
US11995619B1 (en) | 2017-12-28 | 2024-05-28 | Wells Fargo Bank, N.A. | Account open interfaces |
US11676126B1 (en) | 2017-12-28 | 2023-06-13 | Wells Fargo Bank, N.A. | Account open interfaces |
US11106515B1 (en) | 2017-12-28 | 2021-08-31 | Wells Fargo Bank, N.A. | Systems and methods for multi-platform product integration |
US11855971B2 (en) * | 2018-01-11 | 2023-12-26 | Visa International Service Association | Offline authorization of interactions and controlled tasks |
CN112368730A (en) | 2018-06-22 | 2021-02-12 | 维萨国际服务协会 | Secure remote transaction framework using dynamic secure checkout elements |
WO2020041722A1 (en) * | 2018-08-24 | 2020-02-27 | Mastercard International Incorporated | Systems and methods for secure remote commerce |
US20200082375A1 (en) * | 2018-09-12 | 2020-03-12 | Ankush Singhal | System and method for peer-to-peer payments |
US11161245B2 (en) | 2018-10-25 | 2021-11-02 | Wells Fargo Bank, N.A. | Systems and methods for secure locker feeders |
US11379850B1 (en) | 2018-12-10 | 2022-07-05 | Wells Fargo Bank, N.A. | Third-party payment interfaces |
US11044246B1 (en) | 2019-06-21 | 2021-06-22 | Wells Fargo Bank, N.A. | Secure communications via third-party systems through frames |
WO2021007026A1 (en) * | 2019-07-08 | 2021-01-14 | Mastercard International Incorporated | Systems and methods for use in facilitating network interactions |
Family Cites Families (32)
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JP2001101271A (en) * | 1999-09-28 | 2001-04-13 | Kazuhiro Shiina | Settlement system in network by authentication and settlement agency |
US20010047335A1 (en) * | 2000-04-28 | 2001-11-29 | Martin Arndt | Secure payment method and apparatus |
US7111168B2 (en) * | 2000-05-01 | 2006-09-19 | Digimarc Corporation | Digital watermarking systems |
JP2001344550A (en) * | 2000-06-02 | 2001-12-14 | Nec Informatec Systems Ltd | Method and system for electronic settlement and storage medium with program for electronic settlement stored therein |
JP2002042015A (en) * | 2000-07-21 | 2002-02-08 | Toshinori Kido | Credit card payment system |
JP2002279195A (en) * | 2001-03-16 | 2002-09-27 | Toshiba Corp | Consumer system and password input terminal device |
US20130046679A1 (en) * | 2005-05-06 | 2013-02-21 | Caringfamily, Llc | Joint payment |
EP2260445A4 (en) * | 2008-02-20 | 2012-12-12 | Contingent fee advertisement publishing service provider system and method | |
US8725644B2 (en) * | 2011-01-28 | 2014-05-13 | The Active Network, Inc. | Secure online transaction processing |
WO2012106655A2 (en) * | 2011-02-05 | 2012-08-09 | Visa International Service Association | Merchant-consumer bridging platform apparatuses, methods and systems |
US10586227B2 (en) * | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US9760871B1 (en) * | 2011-04-01 | 2017-09-12 | Visa International Service Association | Event-triggered business-to-business electronic payment processing apparatuses, methods and systems |
WO2012151590A2 (en) * | 2011-05-05 | 2012-11-08 | Transaction Network Services, Inc. | Systems and methods for enabling mobile payments |
US20120316992A1 (en) * | 2011-06-07 | 2012-12-13 | Oborne Timothy W | Payment privacy tokenization apparatuses, methods and systems |
US10438176B2 (en) * | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US9508072B2 (en) * | 2011-08-26 | 2016-11-29 | Paypal, Inc. | Secure payment instruction system |
EP2767110A4 (en) * | 2011-10-12 | 2015-01-28 | C Sam Inc | A multi-tiered secure mobile transactions enabling platform |
US9830596B2 (en) * | 2011-11-01 | 2017-11-28 | Stripe, Inc. | Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site |
US20140032399A1 (en) * | 2012-07-30 | 2014-01-30 | Ewise Systems Usa Inc. | Electronic transaction system |
US20160019536A1 (en) * | 2012-10-17 | 2016-01-21 | Royal Bank Of Canada | Secure processing of data |
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CN105556553B (en) * | 2013-07-15 | 2020-10-16 | 维萨国际服务协会 | Secure remote payment transaction processing |
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US10496964B2 (en) * | 2014-04-02 | 2019-12-03 | Facebook, Inc. | Routing payments to payment aggregators |
JP2016009375A (en) * | 2014-06-25 | 2016-01-18 | Necエンジニアリング株式会社 | Settlement system and settlement processing method |
CA2957672A1 (en) * | 2014-10-27 | 2016-05-06 | Facebook, Inc. | Facilitating sending and receiving of payments using message-based contextual prompts |
CA2974151C (en) * | 2015-01-19 | 2023-11-21 | Royal Bank Of Canada | Secure processing of electronic payments |
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US20180096320A1 (en) * | 2016-10-03 | 2018-04-05 | Paypal, Inc. | Account top-up feature to interface with a vendor application programming interface |
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-
2017
- 2017-04-17 WO PCT/US2017/027957 patent/WO2017181185A1/en active Application Filing
- 2017-04-17 AU AU2017250377A patent/AU2017250377A1/en not_active Abandoned
- 2017-04-17 JP JP2018553362A patent/JP2019517055A/en active Pending
- 2017-04-17 CA CA3019922A patent/CA3019922A1/en not_active Abandoned
- 2017-04-17 EP EP17783362.1A patent/EP3443515A4/en not_active Withdrawn
- 2017-04-17 US US15/489,388 patent/US20170300909A1/en not_active Abandoned
- 2017-04-17 RU RU2018136099A patent/RU2018136099A/en unknown
- 2017-04-17 CN CN201780023331.9A patent/CN109155026A/en active Pending
- 2017-04-17 SG SG11201808714WA patent/SG11201808714WA/en unknown
Also Published As
Publication number | Publication date |
---|---|
AU2017250377A1 (en) | 2018-10-25 |
CA3019922A1 (en) | 2017-10-19 |
EP3443515A4 (en) | 2019-04-03 |
JP2019517055A (en) | 2019-06-20 |
WO2017181185A1 (en) | 2017-10-19 |
EP3443515A1 (en) | 2019-02-20 |
US20170300909A1 (en) | 2017-10-19 |
CN109155026A (en) | 2019-01-04 |
RU2018136099A (en) | 2020-05-15 |
RU2018136099A3 (en) | 2020-07-30 |
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