System and method for conducting secure payment transaction

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

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Details

C705S026640, C705S041000, C705S052000, C705S059000, C705S064000, C380S283000

Reexamination Certificate

active

07983987

ABSTRACT:
In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a merchant's computer. The merchant's computer sends the authentication data to a computer operated by the issuer of the payment account, either through a payment organization computer or through an acquirer computer operated by the merchant's acquirer. The issuer's computer verifies the authorization request message, thereby generating an authorization response message. The authorization response message is forwarded to the merchant's computer, either through the payment organization computer or through the acquirer computer. If the authorization response message indicates that the verification was successful, the transaction is completed.

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