System and method for conducting secure payment transactions

Details System and method for conducting secure payment transactions System and method for conducting secure payment transactions

2005-07-05

2005-07-05

Trammell, James P. (Department: 3621)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S039000, C705S065000, C705S067000, C705S074000

Reexamination Certificate

active

06915279

ABSTRACT:
In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant using hidden fields on the Web page of the merchant. The merchant generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization either directly from the merchant or via the merchant's acquirer. The payment organization forwards the authorization request message to a payment account issuer which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization. The payment organization forwards the authorization response message to the merchant, either directly or via the acquirer.

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